If you’re a driver that practices safe and responsible driving, you probably won’t need to obtain an SR22. In the unfortunate event that you’ll ever have to get one, however, below are some fast facts for easy reference.
- What Exactly is the SR22? It’s a requirement for drivers who need to maintain or reinstate their driving privileges following specific traffic offenses. It’s called the Certificate of Financial Responsibility in some states. It’s not a kind of auto insurance. It’s a document verifying that you have an active car insurance coverage that satisfies the liability requirements in your state, explains 2ndchanceinsurance.com.
- Where Can I Obtain the SR22? You have to get one from a provider of auto insurance that’s approved by the state. In addition, a car insurance provider in Tennessee states that even if you already have an SR22 in your state, but are planning on moving to another state, you’ll still have to satisfy the requirements in your former state.
- Is an SR22 Expensive? While the cost differs from one state to another, the cost is roughly between $15 and $25. But keep in mind that you could only get one if you already have auto insurance. Otherwise, you’ll have to get car insurance first and file for an SR22.
- Will I Need an SR22 For Life? No. In general, you’ll only have to maintain your SR22 for two up to five years, with the specific duration being dependent on the reason you need it in the first place and the state requirements.
- Can I Just Refrain from Driving Instead of Getting an SR22? Yes, but you’ll still have to get an SR22. Once you go to the DMV following your three-year no-driving vacation, you’ll still have to obtain insurance, with an added SR22 for another three or five years so that you could reinstate your driver’s license. Put simply, there’s no getting around it.
It is likewise crucial to know that depending on your specific violation, once you’re ordered to get the SR22 requirement, your current auto insurance provider might drop you because you’ll be considered an increased risk client. When this occurs, you’ll have to look around for providers willing to cover you.