If you are told you need to purchase SR-22 insurance, you may not know exactly what it is and how it can affect you. When a judge orders you to have this type of coverage, it's important to find an insurer that offers affordable protection for your situation and can issue the SR-22 form you need to get back on the road. Here, the team at Lafever Insurance Agency, located in Cookeville, TN, discusses the basics of SR-22 insurance.

SR-22 Insurance Basics

SR-22 insurance, also referred to as a Statement of Responsibility, is an official document a judge may require to prove you have auto insurance liability coverage. Your provider files the SR-22 with your state to verify you have the proper coverage. If you have major traffic violations on your driving record, such as a DUI or DWI conviction, SR-22 insurance allows you to legally drive again. You may also need SR-22 insurance if you had your driver’s license revoked or suspended, if you received many traffic offenses in a short time, or if you were caught driving with no car insurance.

How to Get SR-22 Insurance

To receive SR-22 insurance, you first need an auto insurance policy if you are not already covered. Drivers who need SR-22 insurance are considered more risky by coverage providers, so you may pay higher premiums. Your car insurance company issues the SR-22 form for a fee. Although the cost for filing an SR-22 form varies by state, it averages around $25. Many states require you to have SR-22 insurance for three years, during which you must maintain continuous auto insurance coverage. It's important to follow the requirements, or your driver’s license could be suspended.

The team at Lafever Insurance Agency provides their customers with customized, affordable insurance coverage to protect their most valuable assets. Give them a call at (931) 526-3377, or visit them online for more information about their SR-22 insurance policies.