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Drivers who have acquired serious or multiple traffic violations may end up getting their license suspended. Depending on the carrier, their auto insurance policy might also get dropped. No license and coverage can create a dilemma for those who still need transportation for work. This is where SR-22 insurance comes in. If you’re unfamiliar with how it works, here’s a helpful guide.

What Is SR-22 Insurance?

By definition, SR-22 insurance is not actually insurance. It’s a certificate submitted to a state’s department of motor vehicle (DMV) by a carrier that shows the driver is carrying the required amount of auto insurance. The carrier lets the DMV know the driver has been making consistent payments. Depending on the person’s violation, SR-22 insurance may need to be in place for several years before they are eligible for standard auto insurance.

Who Needs the Coverage?

SR-22 insurance is typically needed by drivers who have been convicted of driving under the influence or driving SR22 insurancewhile intoxicated. Those who have been charged with driving without auto insurance or were the cause of a serious accident with injuries may also need SR-22 insurance. In most states, if a driver has accumulated a certain number of points on their driving record, the DMV will typically require the certificate.

Is SR-22 Insurance Expensive?

The rates will vary with each auto insurance provider. However, because drivers who are required by the DMV to have SR-22 insurance are considered high-risk, premiums may be higher than those of standard auto insurance policies. The good news is once state-mandated requirements are filled, a driver can obtain standard coverage again.

 

With time and taking the proper steps, such as completing a defensive driving course and not incurring new traffic violations, you can get back on track with traditional auto insurance coverage. One important step is securing SR-22 insurance. Bob Shropshire Bonds in Cincinnati, OH, is your trusted source for this important certification. Their team of agents has extensive experience working with the state’s DMV to verify a driver’s coverage. If remedial driving courses are required, the agency also offers a state-approved eight-hour course. Call (513) 721-3915 for more details and a free SR-22 insurance quote. Visit their website for information on the full suite of services including bail bonds.

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