Did you know that over nine million people are arrested annually because of driving under the influence?
With such reckless driving, measures have to be taken to prevent adverse effects such as accidents.
For that reason, the state introduced the sr22 insurance. Most of you, readers, are now wondering, what is sr22 insurance? Well, read further, and I’ll tell you.
What is SR22 Insurance
The state introduced a certificate of insurance that is handed to drivers to ascertain that they are driving responsibly and within the insurance policies. Also, known as the certificate of financial responsibility, it’s only handed out to drivers who fit the requirements of their insurance providers.
This means that for every insurance you get for your car, you need a state amount to keep you protected from injuries. If you comply with that, then you can easily get your sr22 insurance certificate.
Since you’ve learned the definition, let’s take a look at other five crucial elements regarding this certificate. In case your question isn’t answered, then you can have a quick look at these commonly asked questions.
1. Types of SR22 Certificates
There are three distinct types of sr22 certificates. They include;
● Operator – It’s personal insurance carried by the individual who rides rented, valet, or borrowed vehicles. It’s also known as the non-owners car insurance policy.
● Owner – Just like you need car insurance for your new car, you need sr insurance for yourself.
● Operator and owner – A versatile insurance certificate to cover you while you drive your car, and any other vehicle.
Any state office or insurance provider should present either of these options to you.
2. Where Do I Get an SR-22?
From the car insurance company, you can get your sr22 insurance policy as well. Most of these companies will deal with anything road related, making it easier for you to deal with these issues all at one go. They can orient you on what is sr22 insurance and help you process one.
If you’re unsure about the policy, you can try out cheap sr22 insurance providers who can even get you the deal for free. Get informed on all the details regarding this certificate, so you don’t get double-crossed or mixed up in the process.
3. Do I Need One?
Many road users have no idea they need this certificate. You could hear someone ask, ” what is an sr22?” For many reckless drivers who end up in prison or jail will be asked to get the insurance for financial responsibility.
Besides that you also need the insurance if you have:
● Repeat traffic offenses
● Been involved in an accident and claimed to be uninsured.
● Been driving without a license.
● A driving under the influence record.
● A suspended driving license
If you fall under any of these factors, you need to get the license or else you may be ordered by the court or state to do so.
4. How Much Does It Cost?
Many sr22 insurance quotes aren’t that expensive. Some companies might offer them for free online, without any hustle. If you claim yours under an insurance company, you may need to pay an amount under $30.
That should cover the processing costs Or any other additional costs. Make sure you do your research for the best places to get authentic sr22 certificates.
5. What’s Its Lifespan?
The final element about what is an sr22 is how long you expect the certificate to remain valid. Luckily, the insurance should last you a minimum of three years but could vary depending on where you live and laws governing the state.
Get Financially Insured Today
You should be adequately oriented by now on what is sr22 insurance. It’s the safest way to drive around knowing you’re keeping yourself and your neighbors protected from accidents.
So pick up that phone, dial your insurance company, and get insured as soon as possible. Remember to be your sister’s keeper, especially on the roads.