SR 22 Insurance – Why You Need This Form
By Patrick Mahen
If you are reading this article most likely you have a suspended license and have been informed that you need to acquire an SR22 insurance form. The state may be asking for this form if you were involved in an accident or convicted of a traffic violation and was unable to show financial responsibility. Financial responsibility is also another name for an SR22 form.
Why do I need the form?
You need this form to confirm you have auto liability insurance in the state you carry a drivers license. The Department of Motor Vehicles for your state will require you carry minimum liability insurance and notify them of any changes to the policy. This is commonly referred to as SR22 form insurance or financial responsibility filing. If this policy is canceled the insurance company will notify the state and your license could be suspended again for failing to provide financial responsibility filing.
How long do I need it?
The length of time this form is required can vary based on the state in which you are required to carry it. In general expect to have SR-22 insurance for at least one year and up to 3 years depending on the violation. If you had your license suspended or revoked due to a DUI or other offenses, the time period begins when your license has been reinstated not the date of the ticket. For whatever reason you cancel the policy during your required period you must start another policy and the required period of coverage will start over.
How to get the form?
Insurance companies in your state can offer the form as an addition to a standard auto insurance policy. Some states such as New Mexico, Minnesota, Delaware, Kentucky, Pennsylvania and Oklahoma don’t require SR22 forms, but if you move to one of these states while you are required to carry the insurance you must maintain the insurance where the offense was committed. Just ask the insurance agent to add an SR22 filing to your auto policy when getting a quote.
How much does it cost?
The need to have an SR-22 insurance form is usually from a DUI or other traffic violation so the cost of your insurance will increase. You can still find affordable quotes by shopping around and making sure the insurance company knows you need to file a financial responsibility form.
Click on this link to obtain an SR-22 quote from SR22InsuranceQts.com by entering your zip code and some basic information. This is a free service and it only takes a few minutes to complete the simple forms.
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