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If you’ve committed a serious traffic violation, finding an affordable car insurance rate can be difficult. SR22 insurance is an effective substitute, and insurance agents at 1st Choice Insurance in Fairfield, OH, advise that it’s important to understand if you qualify. There are a few basic requirements you need to meet to get SR22 insurance.

3 Requirements for SR22 Car Insurance

1. Driving Offenses

sr-22-insurance-first-choice-insurance SR22 insurance is exclusive to drivers who have committed serious traffic violations or repeat offenses. It’s offered as an alternative to prove they carry minimum-coverage insurance and are identified as a high risk. Without major traffic offenses, your insurance company won’t qualify you for SR22, and neither will the DMV.

2. Reinstated License

Severe traffic violations such as DWIs, DUIs, or repeated traffic infractions can lead to a temporary revocation of your license. Leading up to your license being reinstated, you’ll need to secure insurance coverage again. Your license has to be active, and you have to be legally allowed to drive to qualify for SR22 Insurance. Before your license is reinstated, work with an agent to shorten the window between high-risk insurance coverage and being uninsured.

3. Insurance Provider Approval

To officially file for SR22 insurance, your insurance carrier has to submit an application with the DMV on your behalf. Once you’re identified as a high-risk driver, many insurance companies will refuse SR22, as well as normal coverage. If denied, find another insurance company willing to cooperate.

If you’re trying to secure SR22 insurance coverage, turn to the staff at 1st Choice Insurance. They offer a variety of high-risk insurance options and will help you find cost-effective coverage that matches your needs. Call (513) 860-0666 today to speak with a representative, and visit their website and Facebook for more information.

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