SR22 insurance is not actually a type of insurance – it’s actually a form filed by your insurance company that tells the government that you have insurance. SR22 filings need to be made when you have been in trouble for breaking the rules of the road. Examples of when you might need to make SR22 filings include after you’ve been caught driving without insurance, driving dangerously, or driving when under the influence. You only need to worry about SR22 insurance if you have broken any traffic regulations in your motoring history.
Where can I obtain SR22 insurance?
The vast majority of insurance agencies are able to sell SR22 insurance, though many drivers opt for insurers that specialise in helping what you might deem as high-risk drivers. If you need SR22 insurance, you’re advised to insure used vehicles which don’t need a vast amount of damage coverage – unless money is no object, of course. Many drivers with recent violations opt to exchange their current vehicle for a used car in order to reduce their financial obligations. When the violations are removed from your vehicle, you can then purchase a newer car. You will only require SR22 insurance if a judge decides that you do. Some people require it after just one violation, though others are told they need it after several.
What should I do if I am already insured?
If you already have insurance, you can add SR22 to your current policy. If you don’t, you will need to file an SR22 when buying a new policy. You normally need an SR22 for around three years if you don’t commit any further violations. Many motorists remain unaware of what an SR22 is. This is largely because many motorists go through their entire lives on the road without ever needing one. The SR22 is also known as a Certificate of Financial Responsibility (CFR) and verifies that you have insurance.
How to avoid an SR22
There are of course steps that you can take in order to avoid an SR22 in the first place. These include not drinking and driving, driving as safely as you possibly can, and avoiding driving without insurance in place. If you drive carefully and remain insured all the time, you can avoid ever needing to file an SR22. Nonetheless, options are in place if you have violated the laws of the road and need to address the issue so you can continue to drive legally.
Finding the best quote
The cheapest SR22 insurance quotes aren’t always the best, so take your time and shop around to get the right policy for you and your budget. You may wish to research a wide range of insurance providers before you make your final decision. An SR22 may be a small price to pay for being able to use the road without relying on public transport. When the SR22 expires or is cancelled, the insurance company will issue an SR26, signalling the end of the arrangement.