Did you know that 28 people die in the U.S. every day thanks to drunk driving car crashes? SR22 insurance is a type of car insurance that is required by some states in the United States. If you have been convicted of certain driving offenses, like driving under the influence (DUI) or driving without insurance, you might have to legally carry SR22 insurance in order to get behind the wheel of a vehicle.
Our short guide below will go over some common questions about SR22 insurance that most people have. Read on to learn more.
1. How Long Do I Need to Carry SR22 Insurance?
The length of time that you need to carry SR22 insurance varies by state and by the offense. In most cases, you will need to carry SR22 insurance for at least three years. However, if you are convicted of more than one offense during a certain time period or if you have a particularly serious offense, you may need to carry SR22 insurance for a longer period of time.
2. How Much Does SR22 Insurance Cost?
The cost of SR22 insurance varies depending on several factors, including the state you live in, the offense you were convicted of, and your driving history. Generally, you can expect to pay more for SR22 insurance than you would for regular car insurance, but you can look to save on auto insurance on certain sites.
3. What If I Don’t Carry SR22?
If you are required to carry SR22 insurance and you fail to do so, you could face serious consequences. Your driver’s license could be suspended, and you could face fines and other penalties. In some cases, you may even be required to serve time in jail.
4. Can I Switch Insurance Companies?
The short answer is – yes, you can switch insurance companies while carrying SR22 insurance. However, you will need to make sure that your new insurance company is able to file an SR22 certificate with the state on your behalf. You will also need to make sure that there is no gap in your insurance coverage.
5. Can I Get This Without Owning a Car?
Even if you don’t own a car you can get SR22 insurance. Basically SR22 will give you liability coverage, but you are still required to meet the state’s requirements. Keep in mind that even if you don’t own a car the price might be a bit high because you are now seen as a high-risk driver.
Feeling Like an SR22 Insurance Pro?
As you can see, SR22 insurance is a requirement for some drivers that have been convicted of several offenses while driving. How much it will cost will vary depending on where you live. Our biggest recommendation is to make sure you carry SR22 insurance if you are required to or else you are going to have to deal with some serious consequences.
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