Many people aren't familiar with the true purport of the SR-22 form. Some assume that it refers to some proof about your vehicle while others think it applies to tax.
However, an SR-22 is none of those things. In its basic form, the SR-22 relates to vehicles. But it doesn't work the same way your auto insurance does. The SR-22 insurance policy is a proof filed and provided by your insurance company that you meet the basic requirements set by your states to drive.
In this post, we take you through the essential details around the SR-22, how to get one, and the differences among states in terms of requirements.
What is an SR-22 Form?
Anyone with an SR-22 form is financially responsible for the vehicle they drive, and this has been proven by their auto insurance company.
Many times, people who are asked to file the SR22 insurance policy have been charged with road offences including drinking and driving, driving without a license, or driving with a suspended license.
For some others, the need for the SR-22 form becomes obvious when they lose their license due to medical conditions or child support issues. And for those without auto insurance, filing this form gets them responsible for the vehicles they drive (whether they own them or not).
The best part about getting the SR-22 requirement is that you don't have to worry about the procedures all by yourself. Usually, when you have to file an SR22, you contact your auto insurance provider who then files the form on your behalf.
Despite the costs involved in filing the SR-22 form, it's usually wiser to pay your premiums. The failure to do this would cause your insurance company to report you to the DMV and this could result in further charges or restrictions.
In essence, an SR-22 gives you the liberty to drive your car or someone else's car with the confidence that you meet the driving requirements set by your state. Now, let's talk a little more about the variation in requirements according to states.
SR-22 Requirements Vary By State
SR-22 requirements are different in all the US states. This, therefore, means that when you've been asked to file an SR-22, you need to understand the requirements that apply to you.
For instance, not all states require the SR-22 insurance policy. Only 8 states allow vehicle operators to drive without this additional proof of driving privileges.
Now, if you reside in a state like California or Alabama where drivers need to have the SR22 form in addition to their auto insurance, you need to know how things work.
The best place to get information is your state's Department of Motor Vehicles. When you're asked to file an SR-22, you'll get information via your email and you're expected to approach your insurance provider immediately.
Generally, the holding period for the SR22 form is three years. During this time, the form should always be in your vehicle as it is equivalent to your proof of insurance. Not only does it prove that you're a qualified vehicle operator but it also shows your compliance to state regulations.
One more thing – states demand the SR-22 policy based on your specified violation. Since this form often applies to high-risk drivers, you might have to maintain the SR-22 form a longer period.
You Need Auto Insurance Before the SR-22 Form
Without auto insurance, you cannot file the SR-22. If you've never owned car insurance, you'd need to search for legitimate insurance providers who offer reasonable premiums as well as affordable SR-22 form insurance policy.
It's a fact that insurance of this nature can be expensive considering the fact that you've been tagged a “high-risk driver.” Nonetheless, you can get quotes from different insurance companies and compare them.
While it's important that you meet your state's minimum liability requirements, you should also seek ways to save costs.
More important, getting back on the road is the goal. So you might have to pay the costs irrespective of what they are.
What if I Don't Have a Car?
Even if you don't have a car in your name or in your household, you can still file the SR-22 form. The Non-Owner's insurance policy gives you coverage for vehicles you drive occasionally.
This policy tends to be slightly cheaper and an easier way to get your license reinstated. For more information, discuss with your insurance provider.
At SR22Insurance.us, we go the extra mile to help vehicle operators get the best SR22 rates. We are happy to assist you.