If you’ve ever been involved in a traffic violation or convicted of a serious offense such as driving under the influence (DUI), you may have heard of an SR-22. But what exactly is an SR-22? In this article, we’ll explore what an SR-22 is, how to get one, and other important details you need to know.
How do you get an SR-22?
If your insurance company offers SR-22 form filings, the process is quite simple. Just give them a call, and they’ll take care of it for you. They will add the SR-22 endorsement to your existing policy and then file the SR-22 insurance document with the state that requires it. It’s as easy as that!
However, if your current insurer doesn’t offer SR-22s or if you don’t have auto insurance at all, you’ll need to purchase a new policy. Since not all insurance companies offer coverage for SR-22s, it’s a good idea to inform potential insurers upfront about your requirement for an SR-22. This can save you time and make the process smoother.
What if I need an SR-22 in a state I don’t live in?
It’s not uncommon to need an SR-22 in a state where you don’t live. This can happen if you received a violation while visiting or living in a different state. In such cases, be sure to contact your insurance provider to see if they can process your filing request for the state where you need the SR-22.
What if I need an SR-22 and don’t have a car?
Not having a car doesn’t mean you can’t get an SR-22. If you find yourself in this situation, reach out to us at 1-866-749-7436, and we’ll refer you to an insurance agent in your area. You’ll need a “Named Non-Owner Coverage Endorsement” with an SR-22, which means you’ll be covered under your state’s liability requirements whenever you drive a vehicle. Even without a car, an agent can write you a policy with an SR-22.
How much does an SR-22 cost?
The cost of an SR-22 filing typically ranges around $25, but this price may vary depending on the state and the insurance company. In some states, you may have to pay the filing fee upfront. At Progressive, we include the fee for the SR-22 filing in your cost for each policy term. Additionally, you’ll need to pay the filing fee with each policy term that the SR-22 is required.
How much will an SR-22 increase the cost of my insurance?
Since some insurers consider SR-22 drivers as high risk, there is a possibility that your insurance rate could increase. However, the increase to your policy’s rate will vary based on factors such as your ZIP code, vehicle, driving record, insurance history, and more. It’s best to discuss this with your insurance provider to get a clearer understanding of how an SR-22 might impact your premiums.
How do I know when my SR-22 is up?
To find out the exact length of time you’ll need to carry an SR-22, it’s best to contact your state’s department of motor vehicles. In most states, you’ll be required to maintain an SR-22 for a period of three years.
How do I get my SR-22 removed?
An SR-22 won’t automatically be removed from your insurance policy once it’s no longer needed. You’ll have to contact your insurance company and request the removal of the SR-22. It’s worth noting that even after its removal, your insurance rate may not necessarily decrease. If you experienced a rate increase after filing your SR-22, there’s a chance that your rate could go back down. However, this isn’t guaranteed. It’s crucial to ensure that your policy remains active and that you don’t let it lapse, as this could result in the suspension of your license.
How to get an SR-22 with Progressive
At Progressive, we understand the importance of convenience and efficiency when it comes to getting an SR-22. Regardless of the reason you need an SR-22, we can provide one quickly and easily. For new customers in most states, as soon as you purchase your policy, we’ll electronically file your SR-22 form with the department of motor vehicles in the requested state. In certain states, filing by mail may be required. Whether you’re a current or new customer, you can call 1-866-749-7436 for assistance or use one of our other convenient methods to get your SR-22.
FAQs
-
Q: What is an SR-22?
- An SR-22 is a document that demonstrates proof of financial responsibility, typically required for drivers who have committed serious traffic violations or offenses.
-
Q: How do I get an SR-22?
- If your insurance company offers SR-22 filings, simply contact them, and they’ll handle the process for you. If not, consider purchasing a new policy and inform potential insurers upfront about your need for an SR-22.
-
Q: How much does an SR-22 cost?
- The cost of an SR-22 filing is approximately $25, but it can vary depending on the state and insurance company. Some states may require upfront payment.
-
Q: How long do I need to carry an SR-22?
- The length of time you’ll need to carry an SR-22 differs by state but is typically three years. It’s best to consult your state’s department of motor vehicles for specific requirements.
-
Q: How do I get my SR-22 removed?
- Contact your insurance company and request the removal of the SR-22. Keep in mind that removal doesn’t guarantee a decrease in your insurance rate, and maintaining an active policy is crucial to avoid license suspension.
Conclusion
Acquiring an SR-22 doesn’t have to be a complicated or daunting task. With the right information and the assistance of a reliable insurance provider like Progressive, you can fulfill the requirements and regain your driving privileges. Remember to stay informed about your state’s specific regulations and consult your insurance provider for personalized guidance throughout the process.
