What is SR22 Insurance?
SR22 insurance is a specialized type of auto insurance that is mandated by certain states as a condition of maintaining a driver’s license. It is typically required for individuals who have been convicted of specific driving offenses, such as:
- Driving under the influence (DUI)
- Driving with a suspended or revoked license
- Causing serious bodily injury or property damage while driving
How SR22 Insurance Works
SR22 insurance functions similarly to standard auto insurance, providing coverage for bodily injury, property damage, and other potential liabilities. However, it also includes a unique provision that requires the insurance company to file an SR22 form with the state motor vehicle department (DMV). The SR22 form serves as proof to the DMV that the individual has obtained the required insurance coverage. Failure to maintain SR22 insurance can result in additional penalties, including the suspension or revocation of driving privileges.
Who Needs SR22 Insurance?
SR22 insurance is not required for all drivers. It is primarily imposed on individuals who have been ordered to obtain it by a court or the DMV after a driving violation. States vary in their specific requirements; however, it is generally mandated for individuals who:
- Have been convicted of a DUI or other serious traffic offenses
- Have been cited for multiple traffic violations within a specified period
- Have had their license suspended or revoked
Risks of Driving Without SR22 Insurance
Driving without SR22 insurance when it is required is a serious offense that can have severe consequences. It can result in:
- Suspension or revocation of driving privileges
- Fines or jail time
- Increased insurance premiums
If you have been required to obtain SR22 insurance, it is crucial to maintain coverage throughout the specified period. Failure to do so can lead to significant legal and financial penalties.
Ready for a Chattanooga SR22 Quote?
If you’re in Chattanooga and need an SR22 insurance policy, you’ve come to the right place. We offer competitive rates and a quick and easy online quote process. Whether you need an SR22 for a DUI or another traffic violation, we can help you get the coverage you need to reinstate your driving privileges.
What is SR22 Insurance?
SR22 insurance is a type of financial responsibility insurance required by many states after a serious traffic violation, such as a DUI or reckless driving. An SR22 policy verifies that you have the minimum amount of liability insurance required by law and that you will maintain this coverage for a specified period of time, typically three years.
Do I Need SR22 Insurance?
You may need SR22 insurance if you have been convicted of:
- Driving under the influence (DUI)
- Reckless driving
- Driving without insurance
- Causing an accident while driving without a valid license
- Accumulating too many traffic violations
If you are unsure whether you need SR22 insurance, you should contact your state’s Department of Motor Vehicles (DMV).
How to Get SR22 Insurance
To get SR22 insurance, you will need to provide proof of insurance to your state’s DMV. You can do this by:
- Purchasing an SR22 policy from an insurance company
- Filing an SR22 form with your insurance company
If you choose to purchase an SR22 policy, you will need to provide the following information:
- Your name and address
- Your date of birth
- Your driver’s license number
- The date of your traffic violation
Once you have provided this information, the insurance company will issue you an SR22 certificate that you can file with the DMV.
How Much Does SR22 Insurance Cost?
The cost of SR22 insurance varies depending on your driving record, the type of policy you purchase, and the state in which you live. In general, you can expect to pay between $500 and $1,000 per year for SR22 insurance.
Get a Free SR22 Quote Today
If you need SR22 insurance, we encourage you to get a free quote from us today. We offer competitive rates and a quick and easy online quote process. To get started, simply enter your ZIP code in the box below.
Once you have entered your ZIP code, we will provide you with a list of insurance companies that offer SR22 insurance in Chattanooga. You can then compare rates and coverage options to find the best policy for your needs.
Don’t wait, get a free SR22 quote today!