Auto Insurance SR22

What is an auto insurance sr22 filing and why would you need one.  Essentially, this document is a certification that is either in electronic or paper form that is a standard verification to the state to prove that the driver of an automobile has an auto insurance policy and has the applicable minimum limits and coverage for that state.  Most people do not have to have this filing and you might wonder why such a filing needs to be sent to the state.  The reason why this filing occurs is due to people that are considered high risk auto insurance customers.  This certification proves to the state that the owner of the vehicle has car insurance and verifies that the owner of the vehicle is financially responsible to operate the vehicle.   Either the individual or an auto insurance broker will be responsible for filing the auto insurance with sr22.  What causes this filing to occur?  Typically when you have been in a car accident without auto insurance or when you have caused a car accident due to excessive negligence on your part, then you will have to file one of these as you will be considered in the high-risk category.  Other factors  that will require you to have this filing is when you get arrested for driving drunk and are charged with a DUI or a DWI.  Even obtaining too many traffic infractions such as speeding tickets over a short period of time will cause you to be at risk insurance customer.  Don’t fret however, if you are a good driver and can prove that you are a responsible driver then these filings will stop after a few years.  After the three year period, then you won’t have to have this type of filing anymore, so being a good driver and obtaining the proper insurance will ensure that you do not have to have this forever.   If for any reason you decide to drop your insurance plan, then the state will be notified of your actions via a SR-26 filing.  This means your license will be revoked again and you will be suspended from driving (again). 

You can hire someone to file the SR-22 form for you via your insurance broker and will provide further proof to your state’s DMV.  Once the state’s department of motor vehicles receives this form, then your license suspension will be lifted and you will be able to drive on a legal basis.  Will you have to file this claim with the state that you’re in, you will have to keep filing with the same state until your three years are up.  This means if you even move to another state, you will have to keep filing the SR22 form and will have to meet the minimum liability requirements which are required by the current state that you reside in.  This means you will have to keep filing with the state that you were previously living in while obtaining the minimum liability requirements for the state that you are currently living in.  Most insurance companies will cover you and you might be able to even get a cheap auto insurance sr22 quote online.  Go ahead and apply for insurance using the getquote.com website to see if you can get auto insurance with sr22.  Most companies will even file these for you for a small fee so you can relieve the stress of filing these by yourself.