The General provides insurance to drivers who need SR-22 certification. Although high-risk insurance is often called “SR-22 insurance,” SR-22 is actually a form required by the state verifying that drivers with certain violations are carrying auto liability insurance. Some insurance companies will not insure these high-risk drivers.
The General sells SR-22 insurance, along with other types of policies, in all states except Hawaii, Massachusetts, Michigan and New Jersey. You can apply online or by calling (844) 328-0306. If you need an SR-22 form completed, a copy of the form will be included with your final policy documents. The General will file the form for you in most states, for the state fee of $15 - $25.
SR-22 insurance is likely to be pricey from any company. Insurers want to be paid for their added risk when they cover drivers with poor records. The premiums for a driver convicted of a DUI, for example, can rise 50% to 200%, depending on the insurer, state, driver’s age, previous record, etc. The General is worth getting a quote from, because the company specializes in high-risk drivers and is highly rated for SR-22 policies. However, it’s always a good idea to compare several quotes to get the best price possible for your needs.
SR-22 certification is usually mandatory for drivers who cause accidents while driving without insurance, are convicted of a DUI, have their license revoked or suspended, or get many tickets and/or traffic convictions in a short time period. You will need to keep your SR-22 current for 1-5 years, depending on the state. Your higher premiums will likely last at least three years. However, they can last seven or more, depending on the violation and your state’s regulations.
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