When your state request SR-22 insurance you don’t have to feel like you are a bad driver, your car insurance company considers you a high-risk driver, and that’s why you need to obtain this document.
There are many reasons why your auto car insurance may request you to file an SR-22, for example:
You’ve been convicted of a DUI or intoxicated by drugs
You have not paid your child support which has been ordered by a court
You might be driving recklessly (or repeating traffic offenses)
You have caused many accidents
You have caused an accident without an insurance
You have been driving with a revoked or suspended driver's license
Your driving license restricts your driving hours due your license has been suspended or revoked
What is SR-22 insurance?
Even the term SR-22 insurance is not exactly a sort of insurance, but it will affect your car insurance. An SR-22 is a certificate that shows your financial responsibility, which is required by many states or courts that order it. This certificate proves your car insurance company policy meets the minimum liability insurance coverage which is required by the state laws in your life.
What is an FR-44?
An FR-44 is similar to an SR-22, the difference between them is the FR-44 is proof that a driver bought an active liability insurance policy that meets or exceeds your state's minimum car insurance coverage requirements. It’s a fact that an FR-44 certificate includes higher liability requirements, due to an SR-22 certificate only covering your state's minimum car insurance coverage requirements.
How can I obtain an SR-22/FR-44 certificate?
Once you go request a car insurance quote, they will ask you the next question: “Do you need a Certificate of Financial Responsibility or SR-22?”, which you will have to answer “Yes”. Once you buy your car insurance policy, it will begin the process of filing an SR-22 or FR-44 certificate.
How much does an SR-22 or FR-44 cost?
The cost of this certificate is not so expensive, although its price may vary depending on the state or the car insurance company you’re requesting. There is an important factor that may increase the cost of your SR-22 certificate which is tied to any problems brought on your R-22.
An example could be if you had many accidents, then your car insurance premiums will increase regardless of your SR-22. Depending on the car insurance you choose to buy your policy, or the state you live in, you in will pay more or less on your premiums.
How long my SR-22 certificate is valid?
This is a common question with a very simple answer, your SR-22 or FR-44 will be valid as long as your car insurance policy is active. If your auto insurance policy is no longer active, then your insurer will notify the proper state authorities, and if you continue without coverage for a long time, you could even lose your driving plate.
How can I remove my SR-22 certificate?
You should need an SR-22 certificate for at least 3 years, even though, you’d need it even longer, everything depends on the state you live. in Once you fulfilled your SR-22, you must know that it won’t be dropped from your insurance. In that case, I recommend you go call your insurer and request them to remove your SR-22 certificate.
Conclusion
An SR-22 certificate is a sort of document which shows your financial responsibility.
There are many reasons why you should need an SR-22 or an FR-44 certificate: from driving recklessly to not paying your child support quote.
You can obtain your SR-22 of your FR-44 certificate by requesting it on a new car insurance quote, they will ask you this question: “Do you need a Certificate of Financial Responsibility or SR-22?” so you must affirmatively answer this question.
An SR-22 certificate price may vary depending on the state you live in, but it doesn’t cost so much.
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