Auto Insurance SR22 Guide

Sometimes we make horrifically dumb driving mistakes in our lives. For these people, auto insurance sr22 filings are required so that they can legally drive in the state that they reside in. These documents certify that the person under the SR22 filing restriction has obtained auto insurance and has purchased the minimum amount of auto-insurance for their state. When does one require an auto insurance SR22 to be filed with the state? The only time that you will have to file this document is if you are considered a high risk driver to the car insurance company. Who is considered a "high-risk drive"? Do you consider yourself a speed racer and have racked up a ton of speeding tickets in a short amount of time? If so, you will be thrown into the high risk driver's category. High risk drivers are defined as negligent drivers that have been involved in an at-fault car accident and are repeatedly negligent time and time again. Another way to get stuck filing an SR22 file is by being involved in a DUI.

If you are in the unfortunate circumstance of having to file a SR22, then there are a few ways in order to get this form out to the state so that you can legally drive again. The first way is to ask the insurance company to file the form for you. This method will require that you pay the insurance broker a fee so that the documentation can be properly sent to the state. If you do not want to pay the fee, then you can send it to the state by yourself. You can find cheap SR22 auto insurance quotes online through major car insurance companies. Try and shop around for the cheapest quote on websites such as getquote.com. Whatever method that you choose, the important thing is that this document has to be sent to the state's DMV before you step into your vehicle.

How long will you have to file these auto insurance SR22 forms? There is a three year probation period for good behavior driving that needs to be completed before the SR22 form can stop be submitted to the DMV. However, if any tickets or negligence is recorded against you before those three years are up, then you will have to continue filing for an extended amount of time. Also, if you stop paying car insurance, then the DMV will be notified and your license will be revoked until you repurchase insurance.

The best way to avoid the auto insurance SR22 is by using common sense and not being placed in the high risk insurance category.

Source(s)

DUI Car Insurance Editor. "DUI Car Insurance - SR-22 Auto Insurance." DUI.COM