Who Needs SR22 Insurance & How to Obtain it

Who needs SR22 insurance?

Who needs SR22 insurance? Usually, anyone that has had their license suspended, for any reason, will have to file an SR22 form when their license is being reinstated, and they apply for auto insurance, even for those who do not own a vehicle and use another person’s vehicle. Some reasons why people lose their driver’s license are DUI’s, DWI’s, also known as OUI’s in some states, driver to endanger (reckless driving), which is a moving violation, and it is viewed as a very serious driving offense, and some people lose their license because they were directed by a physician not to drive and they did drive and got caught.

How to Obtain SR22 Insurance

A person who needs SR22 insurance can do an online search to find the best quotes, or they can call companies on the telephone and ask for quotes, from different agencies. Collecting a variety of quotes will better enable a person to find the best rates, and to see what other items a company offers. Most people find it easier to utilize the Internet when they are searching for insurance. The insurance company that offers insurance for SR22 has to be licensed for the state in which the insured resides and/or works. Some companies do not offer this type of insurance, but most of them do deal with SR22 forms.

When the person who needs SR22 insurance begins to search for or apply for this coverage, the process will go faster and smoother if he or she is organized. It is a good idea to have pertinent information available when a person is looking for or applying for this coverage. Agencies will need a person’s social security number, date of birth, driver’s license number and expiration date, and the company will run a credit check on the person applying for this form of coverage, as well as run a check on his or her driving record. Look at a company’s score, too, and make sure it is at least an A rating. Most companies that offer auto insurance will have a rating. A person can always check out a company at the BBB web site, too, if he or she is not sure if the company is trustworthy or ethical enough.

When in Doubt

The state normally determines who needs SR22 insurance, and can show a person how to obtain it. Along with filing an SR22 form, the state may require a person to attend certain programs in order to get his or her driver’s license back. Some programs that a person will have to attend, in order to get his or her license back, might offer additional informational about this type of insurance and how to obtain it. So, check with your DMV or local courthouse for any questions as to the legal status of your requirements for carrying SR22 insurance.