How much do you know about SR-22s (or FR-44s if you live in Florida or Virginia)? Maybe you or someone you know had to get one after an accident and you’re familiar with the process. If not, you might not know very much about them.
But we’re here to help! Even though the SR-22 or FR-44 certificate is not actually insurance, it’s your insurance company that has to file an SR-22 or FR-44 it on your behalf with your state’s Department of Motor Vehicles. Check out this helpful infographic which answers frequently asked questions such as: What is an SR-22? Why would I need an SR-22? and What will getting an SR-22 cost?
The Ins + Outs of SR22s
If you find yourself needing an SR22 certification document from your insurance company, it might be confusing to know where to start. We’re here to help, so let’s break down the ins and outs of the SR22.
What is SR22?
An SR22 is a document, or in some states an electronic record, that certifies you have the minimum state required auto insurance coverage. This certification is typically needed when you have suspended driver’s license and are trying to get it reinstated. Your auto insurance company is responsible for filing the SR22 on your behalf with the department of motor vehicles (or similar government authority). In most states, an SR22 certification must stay on file for three years.
Why would I need an SR22?
You would need an SR22 when the state or court orders it after you are convicted or plead guilty of a driving-related violation, like a DWI or DUI. The state may also require you to obtain an SR22 if you are cited for other crimes like driving without insurance or causing a serious auto accident.
What will getting an SR22 cost?
In some states, there is no fee for the SR22 certification; in others, the fee for filing an SR22 certification can be as little as $25. The cost of having insurance when an SR22 certification is required will vary based on your individual circumstances, so it is important to shop around at companies like Direct Auto & Life Insurance. We specialize in insuring drivers who need SR22s.
How Direct Auto & Life Insurance can help
If you require an SR22 certification, come to Direct Auto & Life Insurance. We can help you find an SR22 insurance policy at a cheap rate and make sure you stay legal when it comes to your auto insurance needs.