SR22 Auto Insurance
By strict definition, an SR22 is not a type of insurance but rather a certificate required by the state that proves that you are currently under a liability insurance coverage in accordance to the state's minimum insurance requirements. Not all motorists are required to get an SR22 insurance certificate. Only those whose driving record has been stained with serious traffic-related offenses, such as driving under the influence of alcohol, driving without license or getting involved in road mishaps, are subject to an SR22 insurance certificate.
You need to request for an SR22 insurance certificate from your own insurance vehicle provider if you have been mandated by your state to get one. An SR22 auto insurance certificate is generally filed, in your behalf, by your insurance vehicle provider to the motor division of your state. Yet, not all insurance companies are willing to file for an SR22 certificate to their insured and you are a bit unlucky if you belong to such insurance company who does not entertain policy holders with an SR22 certificate request.
With your SR22 certificate, your revoked driving license and suspended driving privileges will be altogether lifted and reinstated. But don't hope too much that you will get the same cost with your usual auto insurance policy. SR22 certificate holders are automatically cited as high risk drivers since only these types of drivers gets to have SR22 certificates. To cover up the risk of having high risk drivers under them, most insurance companies are charging expensive premiums for SR22 certificate holders.
If you are lucky enough to be issued with an SR22 auto insurance certificate by your insurer, you need to bring that document with you for around 2 years (depending on the state you live) if you are one of those convicted traffic offenders.
Failure to pay your premium on the due date could get your SR22 auto insurance certificate revoked thereby suspending your privilege to drive at any road. - 2368
You need to request for an SR22 insurance certificate from your own insurance vehicle provider if you have been mandated by your state to get one. An SR22 auto insurance certificate is generally filed, in your behalf, by your insurance vehicle provider to the motor division of your state. Yet, not all insurance companies are willing to file for an SR22 certificate to their insured and you are a bit unlucky if you belong to such insurance company who does not entertain policy holders with an SR22 certificate request.
With your SR22 certificate, your revoked driving license and suspended driving privileges will be altogether lifted and reinstated. But don't hope too much that you will get the same cost with your usual auto insurance policy. SR22 certificate holders are automatically cited as high risk drivers since only these types of drivers gets to have SR22 certificates. To cover up the risk of having high risk drivers under them, most insurance companies are charging expensive premiums for SR22 certificate holders.
If you are lucky enough to be issued with an SR22 auto insurance certificate by your insurer, you need to bring that document with you for around 2 years (depending on the state you live) if you are one of those convicted traffic offenders.
Failure to pay your premium on the due date could get your SR22 auto insurance certificate revoked thereby suspending your privilege to drive at any road. - 2368
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posted by Frank Potter at 1:29 AM
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