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SR-22 Insurance Document: When Do You Need It Exactly?

Updated: August 29, 2018

Many people get confused about the SR-22 insurance document and what it means.

The truth is that this is an insurance document that is required for individuals who have been convicted of a DUI or DWI in the recent past.

The reason the SR-22 insurance document exists is because the individuals who get convicted of a DUI are deemed higher risk candidates for coverage.

Insurance companies are less likely to want to insure these individuals.

However, the government requires that they have a valid SR-22 insurance document on file if they are to go back on the road.

What is the SR 22 Document?

It is very important for individuals who have a DUI conviction to understand the SR-22 insurance document as best they can.

Without this document, an individual with a DUI cannot get insurance, and therefore cannot legally drive on the road.

The reality is that anyone with a DUI over the past few years will need a completed SR 22 document handed over to their state’s DMV office. Without this document, an individual with a DUI cannot get insurance, and therefore cannot legally drive on the road.

The document itself is relatively straightforward. There are only a few spaces to fill out and it is completed by the insurance company that is providing the DUI convicted individual with an insurance policy.

When an insurance policy is agreed and signed by the company and the individual, the insurance company will notarize the SR 22 document and send it over to the state’s local DMV office.

As soon as the document is received, the individual is now free and clear to continue driving on the road as long as that insurance policy is in effect. If they are caught driving without insurance, suspension or termination of their license is a possibility.

What is SR 22 Insurance?

SR 22 insurance is designed to give insurance companies and the state governments a chance to keep a closer eye on people who have DUI convictions. There are two sides to the coin with regards to this insurance.

A lot of people make the mistake of ignoring the extra cost of insurance when they assess how a DUI will impact their life.

For one, the state government requires a document that must be signed by the insurance company signifying that this individual has the appropriate insurance to continue driving.

And from the point of view of the insurance company, they will only agree to provide a policy if the individual pays much higher premiums than usual. This is an unfortunate situation for the person in question, but it is the price to pay for driving while under the influence of alcohol.

A lot of people make the mistake of ignoring the extra cost of insurance when they assess how a DUI will impact their life.

While jail time and/or community service and fines are usually involved with DUI cases, it is the added cost of insurance for the next few years that will hit you the hardest.

How Does SR22 Insurance Differ from Regular Auto Insurance?

In terms of the coverage itself, there is no difference between SR22 insurance and regular auto insurance policies. The only difference is that someone with SR22 insurance is paying a lot more for the same policy than an individual who has no DUI or DWI conviction over the past four or five years.

If you are pulled over and you had a DUI in the past, it is easy for the officers on site to check their system to see if you have a valid SR-22 insurance document on file.

The SR-22 insurance document is another important part of the SR22 insurance that a lot of people ignore. It is designed to make sure that no one with a DUI is driving without auto insurance.

If you are pulled over and you had a DUI in the past, it is easy for the officers on site to check their system to see if you have a valid SR-22 insurance document on file. If you do not, it means you are driving without insurance and you may lose your license.

The good thing is that SR22 insurance is not a permanent situation.

Individuals who have a DUI under their record can get out from the SR22 insurance situation if they do not have any traffic violations or tickets in the next four to five years.

How Can You Get SR22 Insurance Quotes?

One of the good things about SR22 insurance is that you do not have to spend many days comparing various policies before deciding on the best option.

Simply talk with those companies, compare their policies and decide on the one that offers the best balance between cost and coverage.

Depending on the state where you live, there may not be very many options for SR22 insurance. Companies are not usually willing to insure individuals with a recent DUI on their record. This means that you may only have two or three companies in the state that offer SR22 insurance.

Simply talk with those companies, compare their policies and decide on the one that offers the best balance between cost and coverage. Make sure the company is aware of the SR-22 insurance document requirement.

Most of these companies offer quotes online, but you may find it best to talk with an insurance agent in person or over the phone. This makes it easier to explain your DUI situation and talk over all the requirements for SR22 insurance.

Keep in mind that every state has specific requirements when it comes to SR22 insurance. The procedure that works in one state may not necessarily keep you in good standing in another state.

How to Save Money on SR 22 Insurance?

The truth of the matter is that the best way to save money on SR 22 insurance is to not need this type of insurance.

If you do find yourself in this situation, the best thing you can do is to keep a clean driving record for the next few years.

It may sound unhelpful, but the reality is that you must know about the possible financial implications of getting a DUI conviction. The best thing anyone can do is to make sure they never get behind the wheel if they have been drinking.

But if you do find yourself in this situation, the best thing you can do is to keep a clean driving record for the next few years. As each year goes by without a driving incident, your insurance provider will lower your premiums.

Eventually you can get off the SR22 insurance policy because the government’s SR-22 insurance document requirement goes away after five years post-DUI conviction.

The best way to save money on auto insurance is to drive carefully, never get into any accidents that are your fault and to avoid traffic violations or tickets of any kind.