Before I tell you about SR-22 Insurance , you need to know what an SR-22 is. It is something not related to car insurance and may not cover some or any aspect of your car insurance . It is known as liability car insurance issued in the form of a document which is used in the United States of America.
Basically a DMV will entail an SR-22 from a driver who wishes to regain his or her driving privileges. If an SR-22 expires or has been disqualified, then the insurance company of that driver is obliged to issue an SR-26 form, which verifies the termination of the policy.
Drunk driving is a serious offence in the United States of America and insurance rates may explode for the driver as he will be termed as high risk driver then. The particular person can then contact his insurance company and ask for the filing of SR22.
Some insurance companies do not offer SR-22 insurance policies so the first thing you need to do is call your insurance company and ask for SR-22 filing. If your auto insurance provider does not offer SR-22 filing then you will have to switch your insurance company. You can contact a broker too as they are in contact with various companies and may offer you the lowest possible SR22 insurance rates in the market.
Laws fluctuate from state to state, and it depends on this precisely, that can give you a more accurate and precise answer as to the duration of the increase of insurance rates. It is most heard of to be increased for around three years.
SR-22 filing will not cost you a fortune as these are really inexpensive. Filing fee varies from $15 to $50 but it is only filing fee. The insurance company is just letting the DMV know that you hold an active liability insurance . You must know that car insurance is not the same for everyone and SR22 insurance will also depend on your previous record and present situation. If you have been caught driving drunk then its cost can be extremely high.
An SR-22 should be taken seriously, as it is a severe warning from the state, and can permanently revoke the driving licenses of individuals on order of the state. You must be responsible when you are driving on the road for the safety of others and for your safety as well.