Things can happen unexpectedly where you will have to shell out finances, but you can protect yourself by getting insurance for different things. You may have already heard about SR22 insurance which many people don’t really know about. SR22 is related to car insurance and this will be explained below.
An SR22 is an insurance certificate that proves that you carry car insurance. You can also call this an SR22 car insurance or a certificate of financial responsibility filing. What this means is that you are complying with your state’s car insurance coverage requirements for driving over a specified period of time.
Here are some of the violations that will require you to have an SR22 coverage. SR22 is required for DUI or DWI, at-fault accidents, driving with a suspended license, driving without insurance coverage, and more.
While SR22 is not a car insurance itself, what it simply means is that you are complying with the state’s car insurance minimum requirements. The SR22 provider is certifying that your driving is covered for certain car insurance-related circumstances.
When you get your car insurance policy, it sometimes comes with a free SR22 certification. But other car insurance companies charge a certain fee for an SR22.
If you are going to get SR22 certification, check out your state requirements because it varies for each state. There are places where you simply need to purchase a car insurance policy and your SR22 certificate is taken care of. If you file for insurance in your state, the basic requirements would be your driver’s license number or any other identifications number for filing.
Getting an SR22 is not a problem these days because you can get it easily online. IF you apply today for your SR22, then you will be able to receive it on the same day via electronic sending. You can also apply online for additional coverage to your policy.
The required number of years for drivers to have SR22 coverage together with their insurance policy is 3 years. Make sure you check your state requirements for this.
Once the SR22 expires, it is your insurance company that contacts the DMV. Depending on your state, you can lose your driver’s license and many other consequences upon the expiration of your SR22. But you can prevent and SR26 from being sent to the state this by making payments of time. Your SR22 will be canceled by you SR26.
There are three types of SR22 certificates. The operator’s certificate is for drivers who borrow or rent a car but don’t own one. You can use this certificate as a non-owner’s car insurance policy. The owner’s certification is for those who own and drive their own cars. If you own and drive your own car but on occasion borrow or rent one, then it is best to get the operator/owner form which is a combination of the two.