Field sobriety testSR-22 insurance requirements can leave you wondering what to do. In short, a judge is likely to tell you that you must maintain this type of coverage because of an incident (or more than one incident) that represents the high risk you pose as a driver. It's important to know what SR-22 coverage is, what it means to you and how to find the financial protection you need to minimize some of your risks and still get back on the road. Consider a few key things about this coverage.

Is it Insurance?

A big misconception is that this is a form of insurance. It isn't, technically. SR-22 is a type of certificate you will need to have from your car insurance provider. This is filed with the state. It is a type of voucher that guarantees to the state that you have financial protection in place to keep other drivers on the street secure should you be involved in an accident. You'll only need to have this certificate in place if a judge requires it, in which case you will be notified.

Do You Have Auto Insurance?

If you have auto insurance right now and a judge orders you to obtain an SR-22, you will need to contact your existing insurer and request this from them. In most cases, they will provide it so long as you are up to date on premiums. If you do not have insurance, you'll need to obtain it immediately and get an SR-22 certificate at the same time. It is very important that you tell the insurer that you have a requirement for an SR-22 because this can change the cost of the policy significantly.

What You Need to Know

Keep the following in mind in regards to SR-22 coverage:

  • It does not have to be expensive. While filing an SR-22 form is likely to increase your auto insurance rates, it still may be more affordable than you realize.

  • You do not have to keep it long term. You'll need to determine how long the state will require this from you.

SR-22 insurance requirements should not be ignored. You shouldn't drive without it. However, the right policy is out there to offer the appropriate level and type of coverage you need. Take the time to talk to your agent about finding an affordable plan.          

Need a quote? Call us at 843.740.1723 for more information on Charleston SR-22 auto insurance.

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