Yes, an SR-22 means you need high-risk car insurance, because only drivers who have been convicted or cited for a high-risk offense like a DUI are required to file an SR-22 with their state. “SR-22” isn’t actually a type of insurance; it’s an official form that your insurance company will file directly with the state to prove you have at least the minimum amount of insurance required by law. In other words, an SR-22 is a court-ordered document originating from a mistake your state deems serious, which makes it synonymous with high-risk insurance.
Offenses that could lead to an SR-22 include driving without a valid license or insurance, causing a serious accident, and being charged with a DUI, racing, or reckless driving. You’ll be considered a high-risk driver as a result of any of these violations. But you won’t need an SR-22 forever if you maintain your insurance coverage continuously and drive safely.
Your SR-22 status will usually last three years. And depending on your state and insurance company, most violations that qualify you as high-risk will no longer be factored into your insurance premium after three to 10 years.
You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance company. It confirms that you have an active policy with at least the minimum insurance coverage legally required in your state.… read full answer
In most cases, you’ll have to file an annual SR-22, certifying your insurance coverage, for 3 years. However, the time period can range from 2 to 5 years depending on the state and the reason for the SR-22. Also, depending on the state, this time period can start on your offense date, conviction date, license suspension date or reinstatement date. Make sure you know how long you have to maintain your SR-22. If you cancel your insurance before the time is up, your license or registration can be suspended or revoked.
Most states use the SR-22 form. Eight states don’t: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Two states—Florida and Virginia—use the SR-22 but have a different form for DUI/DWI convictions, the FR-44. If you move from one state to another, you will need to maintain your SR-22 certification with your original state through an out-of-state filing, even if your new state doesn’t require SR-22s.
SR-22 insurance covers the minimum protection required by state law. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.
Many states only require liability insurance. In these states, SR-22 insurance covers the costs of the other driver’s injuries or property damage if you’re at fault in an accident. Some states, like Florida and Michigan, also require Personal Injury Protection, which pays medical expenses for you and your passengers. States such as New Jersey and New York mandate uninsured or underinsured motorist protection, as well. This kind of insurance pays for your losses if another driver is at fault and either has no/low liability insurance or is a hit-and-run driver.… read full answer
Like all insurance, SR-22 insurance policies are written with limits. These limits are the maximum amounts the insurance company will pay out for losses. The coverage limits for your SR-22 insurance policy will follow the requirements of the state in which you were convicted or now live, whichever are higher.
SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as DUI/DWIs, reckless driving, and driving without a license or insurance. The SR-22 must be filled in by your insurance company and certifies that you have the legally required coverage.
Even though it’s minimal, SR-22 coverage can be expensive. The violation you committed will put you into the insurance company’s high-risk pool of drivers. This can raise your insurance costs 25% or more.
Progressive offers SR-22 insurance to drivers classified as “high-risk” by their state. High-risk insurance is often called SR-22 insurance, but SR-22 is actually not a type of coverage. It’s a form verifying that you have met the state’s minimum requirements for car insurance coverage. In most states, Progressive will electronically file your SR-22 document with the department of motor vehicles immediately after you purchase your policy, unless they are required by state law to file by mail. The filing fee is usually around $25.… read full answer
Most drivers do not need an SR-22. It’s most commonly required if you were driving without insurance or a license, or if you were convicted of a DUI/DWI. In states like Florida or Virginia, you might need an FR-44, which is similar but requires more coverage than an SR-22.
If you do need SR-22 insurance from Progressive, call 866-749-7436 to speak with a Progressive representative. Progressive rates only increase by about 5% nationwide for SR-22 drivers, so it tends to be an affordable option for high-risk insurance compared to other large companies.
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