What Is SR-22 Insurance And Why Do You Need It?
ShareThe Department of Motor Vehicles (DMV) is the institution that controls drivers and driving laws. They issue driver's licenses, and they can also revoke a person's driver's license. If the DMV feels that you are too much of a risk as a driver, they might require that you buy SR-22 insurance if you want to keep driving. When you find out that you need SR-22 coverage, you might wonder a lot of things. For example, you might wonder why you need it and what it is. You might wonder how to buy it and the amount it will cost. Here are several things to know about this insurance type if you find out that the DMV is requiring you to get it.
What It Is
To start, you should learn what it is. Many people believe that SR-22 is a form of car insurance that high-risk drivers need. However, this is not exactly true. SR-22 is proof that you have car insurance, but it is not car insurance itself. Instead, you buy a car insurance policy and ask for an SR-22 with it. If the insurance company does not offer SR-22, you must find it through another insurance company. When you buy your auto insurance policy with SR-22 coverage, the insurance company gives you a form SR-22 that you supply to the DMV.
Why You Need It
There are multiple reasons that a person might need SR-22 insurance coverage. One reason is from a DUI charge. If you drive under the influence and get caught, the police will charge you with a DUI. Having a DUI on your record puts you in the high-risk driver category, and it often results in a person needing SR-22 insurance coverage.
You might also need it if the police catch you driving without insurance or if you rack up too many speeding tickets. There are other reasons, too, that the DMV might require that a person buy SR-22.
How to Buy It
After learning that you need SR-22, you can start calling around to various insurance companies to find out if they offer it. You might want to find at least two or three companies that offer it, and you can request quotes from each. When you have the quotes, you can compare the costs and coverage limits to choose the best one. You can call any car insurance agent to learn more about SR-22 insurance coverage.
For more information about SR22 insurance, contact a company like Bill Blake Auto Insurance.