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If you were convicted of a DUI or DWI, involved in a serious accident, or caught driving without insurance, you may need to have an SR-22 on file to continue operating your vehicle. Often, if you’ve had your license taken away or suspended, you will also need an SR-22 to get it reinstated.

Here are some answers to commonly asked questions about SR-22 requirements and car insurance.

4 FAQs About SR-22s

What Is an SR-22?

An SR-22 is a certificate of financial responsibility provided to the state by your insurance company. It verifies you have the proper insurance coverage to drive as a high-risk driver. Instead of a type of insurance, SR-22 is better understood as proof of insurance.

How Long Do SR-22 Requirements Last?

If you’re required to have an SR-22, you may be asked to maintain a clean driving record for three years until the requirement is removed.

How Do I Get An SR-22?

car insuranceIf you need an SR-22, it must come from your insurance company. When seeking car insurance, ask the agent if they can provide you with an SR-22. In this case, you will be bumped up into a high-risk category, so your first choice for insurance may not grant you a policy. Once you find an insurer who provides coverage with SR-22s, they will need to file the requirement with the state on your behalf.

Will I Pay More for Insurance If I Have to Have an SR-22 Requirement?

Generally, people with an SR-22 will pay more for insurance. As always, shop around and compare car insurance quotes from different insurers to get the best deal.

 

Statesboro, GA’s BestRate Auto Insurance is an authorized agent for Mercury™, Progressive®, and Travelers® Insurance, among others. They provide car, renters, and homeowners insurance to both English and Spanish speakers, and they can help you find a policy even if you have bad credit, a poor driving record, or an international driver’s license. Call the agency today at (912) 489-5942 to get a quote, or visit their website to learn more about car insurance options.
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