Wednesday, April 08, 2009

SR 22 Form

By Carl Pontti

Driving Under the Influence (DUI) arrests, driving without carrying adequate levels of insurance, collecting one too many diving tickets and having no insurance coverage whatsoever during an auto accident are just some of the good number of reasons for you to get your driver's license suspended. If you find yourself in this kind of situation, the first thing you should do it to find a car insurance company who will provide you the necessary SR22 form.

For those not familiar with SR22, it is basically a form submitted by an auto insurance carrier giving proof that a driver carries the state minimum car insurance requirements. This is vital in order to get a suspended license back, especially for drivers who have exhibited risky or dangerous driving habits such as drunk driving arrests and too many car accident involvement.

Not all car insurance companies are allowed to file an SR 22 form, so it would be necessary to get in touch with your state DMV (Department of Motor Vehicles) to get a list. Another effective way to find out about this is to go online and use and find a specialized SR22 insurance company in your area or, to save time, use one of the many available SR22 insurance portals on the web today.

SR22 car insurance is relatively more expensive compared to your ordinary auto insurance policy. This is due to the risk associated with the kind of drivers needing this type of coverage (e.g. those that have DUI convictions or has incurred major driving violations) which is usually very high. Allowing this policy to lapse or get canceled within the three-year maintaining period can lead to even higher premiums and fees in the future.

It is still highly recommended to spend some time shopping for an SR22 policy online. Rates still depends upon the provider, and you may find a more affordable carrier by shopping and comparing your options. Doing this successfully can mean savings worth hundreds, even thousands, of dollars annually. - 2368

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