What is a sr22 insurance and what makes it different from other types of insurance policy?  What are the best SR22 insurance companies to work with?

Patrick

Omaha, NE

SR22 insurance is basically a certificate issued by an insurance firm which removes any suspension order on one’s driving privileges. This filing gives notice to a state’s department of transportation that an individual’s insurance company has provided at least the minimum liability insurance coverage to the person which requested the filing.

Drivers suspended due to the following reasons- driving under the influence, minor moving violations, uninsured accidents, suspensions stemming from unpaid fines and parking violations, and failure to comply with laws and regulations on use of motor vehicles- are usually those in need of a sr22 insurance.

The common misconception is that sr22 insurance is a type of insurance policy. However, in reality, it is not. It is only an extra feature to traditional automobile insurance policies. Automobile insurance companies have different rates for issuing SR22 insurance certificates, although usually the bond can be given for below $20 annually. The amount is paid on top of the monthly insurance premiums charged by the automobile insurance company.

In most states in the US, drivers with violations stated above must have a copy of their insurance anytime they operate their vehicles.

My pops got into a major accident last week. I told him to lay off the beers when he’s going to hit the road, but he never really listens. Now he’s in the hospital and unable to move since he broke a lot of bones in the accident. He’s telling me to help him process his insurance and get a sr22 insurance form from his insurance company. What the heck’s a sr22 insurance form?

Mila

Chicago, IL

A sr22 insurance form isn’t actually a type of insurance. It’s just proof that you’re insured for liability damage. You’ll have no problems if your father signed up with an insurance company that provides a sr22 insurance form when he runs into problems like DUI. They’ll be the one to process it.

However, the possibility exists that your father’s insurance company doesn’t provide sr22 insurance forms, since only some insurance companies do so. That’s where you’re going to have a major headache.

If just in case your father’s insurance company doesn’t provide a sr22 insurance form, then you’re going to have to ask the Department of Motor Vehicles (DMV) how you’ll go about it. The probability is high that your father may be forced to sign up with a different insurance company that does provide a sr22 insurance form.

One last thing: don’t expect your insurance premiums to be cheap when your father has been ordered by a court to provide a sr22 insurance form. When you do get slapped by the court for one, which means your driver’s license was revoked for serious offenses, multiple minor offenses, or driving uninsured.