How does SR22 Coverage Work?
The SR22 policy was created to make it difficult for high-risk drivers to operate a vehicle unless they have the insurance necessary to do so. The Department of Motor Vehicles uses the SR22 Insurance Certificate to verify that a high-risk driver possess the state mandated basic insurance coverage. If you are classified as a high-risk driver, we can help you sign up for an SR22 Insurance Certificate that will help you to drive legally again. We work to help all high-risk drivers keep their insurance, because the DMV will be notified of any lack of insurance and will immediately take action to revoke an uninsured high-risk driver’s license. SR22 policies can range from 1-5 years depending on the nature of the original violation.
Who Is Required To Carry SR22 Insurance?
Drivers that have been convicted of serious motor-related violations are required to carry SR22 insurance certificates. It is often the case that the Motor Vehicle Department will notify a driver if they have deemed to be a high-risk driver for whom this policy is a requirement.
Some examples of violations that result in the SR22 insurance requirement include:
- DWI / DUI
- Failure to carry insurance
- Multiple moving violations
- Reckless driving
Typical SR22 insurance may cover
SR22 Car Insurance
SR22 Motorcycle Insurance
SR22 Non-Owners Insurance policy is intended for an individual who is interested in being a licensed driver but who does not own a vehicle of their own. SR22 Non-Owners Insurance Policy includes state required minimum liability coverage, uninsured motorist bodily injury protection, and coverage for the property damage caused by an uninsured motorist.
