Why get Sr22 Insurance?
Sr22 insurance is not insurance but proof, or a certificate of insurance, that states you, as a driving capable individual, carry specific types of insurance. The insurance types you are required to carry can vary from state to state based on the financial laws of your state. In simplest terms this is the form your insurance company must file with the department of motor vehicles (DMV) stating which coverage’s you do or do not have more particularly in regards to liability insurance.
Sr22 insurance is what is required by some states to prove you carry the minimum liability insurance on your vehicle. In some cases this is required to reinstate ones driving privileges after being suspended or revoked, possibly due to an uninsured car accident or conviction of another traffic- related offense like a DUI. Some drivers require Sr22 insurance documentation even when not owning a vehicle in certain sates these drivers must provide proof of a non-owner Sr22 policy to get their driving privileges reinstated.
Understanding your states laws regarding the Sr22 insurance documentation or certificates of insurance can be a bit confusing for most individuals because there are so many mitigating circumstances surrounding them. Finding an insurance company that can help you understand what you need and for how long and explain it in clear English and not typical insurance jargon can be just as hard.
Most commonly a Sr22 insurance form is required when and individual was in an accident or was convicted of a traffic offense and was unable to show financial responsibility or if the Judge has required the Sr22 insurance documentation for other reasons (in some states). Some states require you keep a Sr22 insurance document for up to three years following the reinstation of the driving privileges, others depending on the severity or number of repeated offences will require that this is kept for the life of the driver.
The team at Freeway Insurance can help you understand exactly what is needed if you live in California, Arizona or Texas. They have taken the time to learn the state laws inside and out, forward and backward and can help you in plain English (or Spanish) to take care of any and all of your insurance needs.
This article was written by Alex Whalley. If you are looking for high risk auto insurance or are looking for car insurance quote in California then click no further than www.freewayinsurance.com.
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