Learning All About Insurance Policies
About Me
Learning All About Insurance Policies

My name is Eric Bowman, and if you have questions about insurance, this is the blog you need to read. I was always confused when I had to purchase insurance. I would either end up paying for insurance I didn't need or I wouldn't buy the right policy. I finally decided that I was going to learn all I could about insurance policies so that I would understand exactly what I was buying. Now, I am completely satisfied with my insurance and the coverage is just what I need. I realized that there are others who are probably just as confused as I was, so I am writing this blog to help others get the best insurance for their needs and budget. I hope that my blog gives you the information you need to make the right choices when purchasing insurance.


Learning All About Insurance Policies

SR-22 Insurance

Anthony Rhodes

Sometimes people require a special type of insurance after they have a driving incident. If the court requires that you have SR-22 insurance, you want to know what that it and what that means for you. 

What is SR-22 insurance?

It's important to note that SR-22 insurance is NOT insurance- it's simply a voucher. SR-22 insurance marks you as a "high risk" driver. Essentially, this insurance means that at some point you were unable to take responsibility for the financial responsibilities of a situation, or you were charged with a risky driving violation. There are a number of reasons you could need SR-22 insurance including:

  • accidents where you were at fault
  • driving without insurance
  • DUI or DWI
  • past driving record
  • reckless driving
  • suspended license

After you get convicted of one of the above infractions, the judge may require you to get SR-22 insurance. The judge will tell you the amount of time that you need to have SR-22 insurance, and most states require it for a minimum of two or three years. It's important to note that it's not permanent. 

Types of SR-22 Insurance

There are three types of SR-22 insurance:

  • operator's certificate- An operator's certificate covers the driver when they do not have a vehicle of their own. It gives the policy holder the right to operate a motor vehicle, even if they don't own it themselves. 
  • owner's certificate- This certificate covers the policy holder's vehicles. The vehicle will be listed under the SR-22 policy. 
  • operators-owners certificate- This is the most extensive SR-22 insurance because it covers the driver and all vehicles. 

Getting SR-22 Insurance

After you are told by the judge that you need SR-22 insurance, you may be wondering what to do now. The first step in getting a SR-22 policy is informing your insurance company that you need the SR-22 insurance. Not all insurance companies will cover a "high-risk" driver, so they might inform you that you will need to go with another company. If your company does offer you SR-22 insurance, expect your policy to significantly increase. Some states allow you to pay the policy monthly with your regular car insurance, but some states require you to pay the entire policy outright. Luckily, it's not too expensive. After you get SR-22 insurance with your company or another company, the company will need to submit this to the DMV. Do not be surprised if this takes up to thirty days.