Before actually buying SR22 insurance – it is always good to know at least basic information about the policy. We’ll try to expose 5 major things that can help you to make right decision.
SR22 insurance does not work as insurance
It is called as insurance but it does not cover any of the costs if you get into traffic accident. Your regular insurance should take care of it. “Liability certificate” will be more relevant to what SR22 actually does. It is a documented proof to Motor Vehicle Departments that you are financially able to carry regular type car insurance and able to go through expenses in case of possible car accident.
SR22 is not expensive
Filing fees are usually vary from $15-$25. Since this document does not actually cover anything – it costs cheap. However, it is always good to realize that you are in “high-risk” category. That means you’ll need to pay more to have same insurance premiums that you had before SR22 requirement. Sometimes costs can increase up to 200% and even higher. All depends on the situation and your driving history.
SR22 requirement is temporary
In most cases you are required to carry liability certificate for 3 years. After that period you will no longer need to proof your financial responsibility with SR22. Make sure to drive safe and sober within this period of time. I that case your required period will not be extended. As soon as you’ll get rid of SR22 – your insurance premiums should be reverted to original rates.
SR22 Lapses, what’s next?
If you got into situation when your SR22 lapses, your insurance provider will contact DMV and then your driver license will be revoked or suspended. Your driving privileges will be lost. In that case, you will need to file for new SR22 certificate and pay all the fees. That is very important to renew your policy on time to prevent extra costs and another 3 year term.
What about costs?
To manage things within the law it is required to reinstate driver’s license, find insurance provider and also file for SR22 before driving. With that being said, Select Insurance Group offers cheap SR22 insurance Solutions in Cleveland Ohio. We shop multiple sources to get best rates from all over US. Your price can be as low as $1/day.
What if I can’t afford to carry SR22?
Those who need SR22 have already faced expenses that related to their traffic offence. It may be frustrating to know that you will need to carry extra insurance. As mentioned before – SR22 is relatively cheap and essential at the same time. It is illegal to drive without valid proof of insurance. Otherwise you may be a subject to spend up to a year in jail with extra fines.
If you need driving for basic daily stuff: like to go to your work and back home, take your kids to school etc. – you have to carry SR22.
If you feel like exhausted with all the expenses – you can take alternative way and use public transportation, bicycle, walk. In that case you’ll save a lot on car insurance. At the other hand – you’ll will likely to have hard time doing basic daily stuff like groceries etc.
Just keep in mind, that we have years of experience, we work with clients that hard to insure, clients that have really bad driving history with multiple violations. We’ll get you best SR22 insurance solutions that are available on market.
SR22 insurance does not work as insurance
It is called as insurance but it does not cover any of the costs if you get into traffic accident. Your regular insurance should take care of it. “Liability certificate” will be more relevant to what SR22 actually does. It is a documented proof to Motor Vehicle Departments that you are financially able to carry regular type car insurance and able to go through expenses in case of possible car accident.
SR22 is not expensive
Filing fees are usually vary from $15-$25. Since this document does not actually cover anything – it costs cheap. However, it is always good to realize that you are in “high-risk” category. That means you’ll need to pay more to have same insurance premiums that you had before SR22 requirement. Sometimes costs can increase up to 200% and even higher. All depends on the situation and your driving history.
SR22 requirement is temporary
In most cases you are required to carry liability certificate for 3 years. After that period you will no longer need to proof your financial responsibility with SR22. Make sure to drive safe and sober within this period of time. I that case your required period will not be extended. As soon as you’ll get rid of SR22 – your insurance premiums should be reverted to original rates.
SR22 Lapses, what’s next?
If you got into situation when your SR22 lapses, your insurance provider will contact DMV and then your driver license will be revoked or suspended. Your driving privileges will be lost. In that case, you will need to file for new SR22 certificate and pay all the fees. That is very important to renew your policy on time to prevent extra costs and another 3 year term.
What about costs?
To manage things within the law it is required to reinstate driver’s license, find insurance provider and also file for SR22 before driving. With that being said, Select Insurance Group offers cheap SR22 insurance Solutions in Cleveland Ohio. We shop multiple sources to get best rates from all over US. Your price can be as low as $1/day.
What if I can’t afford to carry SR22?
Those who need SR22 have already faced expenses that related to their traffic offence. It may be frustrating to know that you will need to carry extra insurance. As mentioned before – SR22 is relatively cheap and essential at the same time. It is illegal to drive without valid proof of insurance. Otherwise you may be a subject to spend up to a year in jail with extra fines.
If you need driving for basic daily stuff: like to go to your work and back home, take your kids to school etc. – you have to carry SR22.
If you feel like exhausted with all the expenses – you can take alternative way and use public transportation, bicycle, walk. In that case you’ll save a lot on car insurance. At the other hand – you’ll will likely to have hard time doing basic daily stuff like groceries etc.
Just keep in mind, that we have years of experience, we work with clients that hard to insure, clients that have really bad driving history with multiple violations. We’ll get you best SR22 insurance solutions that are available on market.