Do you need SR22 insurance? It’s a common requirement, but most people don’t know much about it. In fact, there are a lot of misconceptions surrounding SR22 insurance. You may be guilty of one or two of them yourself.
To help clear up any confusion, we’re here to dispel five common myths.
Myth 1: SR22 Insurance Is a Type of Insurance
This myth is probably the most widespread, and it’s easy to see why many people believe it. “SR22 insurance” sure does sound like a type of insurance. But this is actually just a common way of referring to an SR22 insurance certificate, also called a certificate of financial responsibility.
SR22 insurance is a certificate or document, not a type of insurance. The document is required to prove that you have the auto insurance required by your state. Before you can get an SR22 insurance certificate, you need to purchase auto insurance. However, the SR22 insurance certificate does not provide any sort of additional coverage.
Myth 2: SR22 Insurance Is Required by Your Auto Insurer
Your state decides who needs SR22 insurance, not your insurance company.
If you are considered a high-risk driver, your state may require you to have an SR22 insurance certificate filed to prove that you are maintaining the legal requirements for minimum auto insurance coverage.
You will need to tell your insurance company that you need an SR22 insurance certificate. Your insurer will then take care of this requirement.
Myth 3: You Can’t Get Good Coverage if You Need SR22 Insurance
Many drivers need SR22 insurance, so insurance companies are very familiar with the process. Some insurance companies might deny coverage based on the SR22 requirement, but other insurers will be happy to assist.
Drivers who need SR22 insurance may pay higher rates, however. This is because drivers who need SR22 insurance are considered high-risk drivers. The state requires an SR22 insurance certificate after a driver gets a DUI, gets caught driving without insurance, or has some other significant driving infraction. This will impact your rates.
Still, you might be surprised by some of the very affordable rates that are available. Your rates are impacted by many different things, and the rate that one insurer quotes you might be vastly different from what another insurer quotes you. Don’t assume you can’t get great coverage.
Myth 4: You Don’t Need SR22 Insurance If You Don’t Have a Car
It’s actually pretty common for people who don’t own a car to need SR22 insurance.
If your license has been suspended, you might need SR22 insurance before you can get your license reinstated – even if you don’t have a car.
Think about it. The fact that you want your license reinstated means you probably intend to drive at some point. The state wants you to prove that you have the required coverage, so you’ll still need to get SR22 insurance if you want your license back.
Many people find themselves in this situation, and there is a simple solution – non-owner SR22 insurance.
Myth 5: You’ll Need SR22 Insurance Forever
Needing SR22 insurance isn’t a big deal, but you’d still rather not need it. The good news is that you won’t need it forever.
The state will determine how long the requirement lasts, and it will probably be for a period of about three years or so. After that, you’ll still need to meet your state’s minimum requirements for auto insurance, but you won’t need to bother with the hassle of getting an SR22 insurance certificate anymore – as long as you avoid future problems. If you lose your license again, you might have to start the whole process over.
Avoid additional problems by practicing these habits:
- Don’t drive while under the influence of alcohol or drugs.
- Avoid aggressive driving and road rage.
- Avoid driving when you’re too tired to concentrate.
- Obey the speed limit and other traffic laws.
- Focus on the road while driving (not on your phone).
- Maintain your auto insurance coverage and keep proof of coverage with you.
Need SR22 Insurance? Jupiter Auto can help. Get a quote here.