There is a special type of insurance, called the SR-22, which may be required of drivers under certain circumstances. These circumstances include a driver being:
• Issued a license suspension or revocation;
• Cited for reckless driving or Driving under the influence (DUI);
• Cited for multiple traffic violations within just one year;
• Involved in an accident without auto insurance; or,
• Caught driving without auto liability insurance.
Any of these circumstances can result to a driver having his or her license suspended or revoked and the only way to immediately restore his or her license and driving privileges is by filing an SR-22.
An SR-22 is actually just a form or a certificate which a car insurance company is required to send to a state’s Department of Motor Vehicles (DMV) to indicate that the person, whose license has been suspended, already has the required insurance coverage. For uninsured drivers, filing an SR-22 is not so easy to obtain since this cannot be filed unless they first purchase an auto insurance policy. Another burden for them is that, besides having to purchase an insurance policy, which they considered too costly before, being required to file an SR-22 will still make insurance coverage more expensive for them because, this time, their chosen insurance firm will tag them as “high-risk” drivers, that is, drivers who are more likely to get involved in an accident.
The requirement to carry an SR-22 filing usually lasts for three years; for DUI cases, though, a judge may extend it to five years. This means 36 months or 3 years of having to pay more expensive premiums – a real strain on their budget, more so if it is extended to five years.
While insurance firms find means to make policies more expensive, this will not be the case if you make your SR-22 filing with an independent car insurance company. By being independent, these car insurance firms are able to help and protect customers’ interests rather than insurance providers’ interests.
According to the website of Second Gear Magazine, with some independent car insurance firms, all you need to do is ask for free SR-22 quotes on line. After receiving and choosing from as many as a dozen free car insurance quotes you have the option to purchase the policy (that meets your needs, your state’s codes, and your budget) and make your SR-22 filing through this independent firm. Once you make your payment, the firm will submit your SR-22 certificate to your car insurance provider which, in turn, will send it to the Secretary of State electronically. As soon as it is accepted, you will get a copy of the certificate from your insurer. It is important to note that if you let your coverage lapse for any reason, or if you cancel your policy before at least 3 years have passed, your license will become suspended all over again.
No car insurance firm, other than independent ones, will be able to get you insured and have an SR-22 filing within minutes, without hassle and with no paperwork. You can even do everything right in the comfort of your home.Read More