If you’re getting back to driving after having a suspended license, you may be overwhelmed by your state’s additional insurance requirements. To have their driving privileges fully restored, most individuals reclaiming their license are required to purchase SR-22 insurance. Below the experienced agents at Accredited Insurance Group in Omaha, NE, explain the ins and outs of this insurance policy so you know what to expect, when it’s required, and how it works.
Breaking Down SR-22 Insurance
What Is an SR-22 Insurance Policy?
An SR-22 policy is a document purchased through an insurance agency which indicates that your car insurance meets the state’s minimum requirements. It specifies that you’ll continue to meet these requirements for at least three years after your license is restored.
When Are You Required to Get the Policy?
While individual cases may vary, most individuals with an obligation to purchase SR-22 insurance have committed a type of moving violation, such as:
- DUI or DWI
- Suspended license
- Failure to maintain minimum coverage requirements
- Multiple traffic offenses committed in a certain timeframe
If you do need to purchase SR-22 insurance, you’ll likely receive a mailed letter of notice either from your local traffic court or your local Department of Motor Vehicles.
How Do You Get the Policy?
If mandatory for you to purchase the policy, you’ll first need to notify your insurance provider. They may be willing to file the documentation for you. However, it’s worth noting that an SR-22 certificate could impact your insurance rates or cause your insurance provider to revoke coverage. To them, you may be considered a high-risk driver. If your provider opts to no longer cover you, you’ll need to find a new insurance agent to assist you in securing the appropriate coverage.
If you’re seeking an SR-22 proof of insurance, call the team at Accredited Insurance Group. Their agents are familiar with the filing process and will work to ensure that you meet all minimum coverage requirements. Visit their website to learn more and call (402) 334-1780 for an insurance quote today.