If you have recently been arrested and convicted of a DUI or if you have been caught driving without car insurance, you might be requires to obtain SR-22 insurance.  SR-22 insurance is a special type of insurance that is legally required by a court system, though the reasons for requiring the coverage may vary from state to state and from case to case.

What is SR-22 Insurance?

SR-22 insurance is a form of car insurance.  It is essentially the same as any other type of car insurance policy, but the insurance company is required to report the status of your coverage if it changes.  In other words, SR-22 insurance is put into place in order to make certain you are carrying the minimum amount of car insurance coverage provided by your state. 

If you fail to pay your insurance premium, if it canceled for any reason, or if you choose to discontinue your insurance coverage, the insurance company reports this change to the department of motor vehicles.  Once this has been reported to the department of motor vehicles, your driver’s license becomes suspended until you once again prove that coverage is in place.  Depending upon why you had to cover the SR-22 insurance, your license may be suspended for a longer period of time or you may face fines or even jail time for failure to keep insurance in place.

How Do I Obtain SR-22 Insurance?

SR-22 insurance can be obtained from many insurance companies, though some companies do not provide this type of coverage.  This is because drivers needing SR-22 insurance tend to be high-risk drivers and some insurance companies do not cover drivers that fall into this category.  In this way, they can keep their rates down for all of their drivers.  Therefore, if you need to get SR-22 insurance coverage, you may need to go through an insurance company that specializes in high-risk drivers.

Obviously, you will likely have to pay a fairly high insurance premium in order to get SR-22 insurance coverage.  In addition, most people required to obtain this form of insurance coverage have to keep their SR-22 insurance coverage in place for three years.  The actual length of time each person needs to carry the coverage, however, will vary according to the individual case.

As with any type of insurance coverage, it still pays off to shop around for the best rates.  Although your options will be more limited, you will be able to find a more reasonable price by doing some comparison shopping.

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