- Q: What is SR-22 insurance?
A: SR-22 insurance policy offers motor vehicle liability insurance for reinstatement after suspension or revoke of your drivers' license. It is a documental proof of your financial responsibility for conviction of specific traffic violations. Not all insurance companies offer this insurance. It is not available in all states of America too. If you have SR-22 in one state and shift to another state, you have to complete filing period regulations of your earlier state of residence.
- Q: Can I drive any car with SR22 insurance with permission?
A: Yes, you can drive any car with SR-22 insurance with permission. However, there should not be any exclusion to the permission. If you have a Non-Owners SR22, coverage available is for vehicles not owned by you or any of your family members. Avail suitable quote for SR-22 insurance well in advance. It normally costs around $15 to $30 for filing fees, however, over and above your normal insurance rates.
- Q: Can I get an SR22 without buying insurance for my car?
A: Yes, you can purchase non-owners liability SR22 policy without buying insurance. This is possible if you do not own the vehicle. Otherwise, you require an SR22 filing with your present auto insurance policy. Car owners need to purchase specific amount of bodily injury and property damage liability before driving their cars in most states of America.
- Q: What is an "SR22 Filing"?
A: This is a form issued by an insurance company. It removes suspension order on your driving privileges by DMV's office. The filing is an assurance by insurance company to the state that you have the necessary minimum amount of liability coverage. This document is essential for reinstatement of your driving license after suspension or revoke of your driving privileges for any reason.
- Q: How does the SR-22 process work?
A: You can avail SR-22 by contacting authorized insurance companies. After payment of requisite filing fees, insurance agent submits your request to the central office. Your SR-22 requisition then passes to the Secretary of State. This process could take around thirty days. After the acceptance, you receive a copy of SR-22 from the insurance company and a letter from the Secretary of State.
- Q: How do I avoid Future SR-22 cancellation suspensions?
A: You have to renew your SR-22 insurance 45 days in advance. This is the stipulated minimum period. Insurance companies have to notify the Secretary of State if you do not send them a renewal request a fortnight before expiry of your insurance. Thereafter, the process of suspension starts. Early renewal can save you all the trouble and avoid suspension in the future too.
- Q: What are the minimum liability limits of SR-22 insurance?
A: The minimum liability requirements of SR-22 Insurance are $20,000 for bodily injuries or death of a single person, $40,000 for bodily injuries or death of many persons and $15,000 for damages to property. SR-22 Insurance is not mandatory in all states of America.
However, if you change residence from one state to another, you have to comply with requirements of both the states.
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