SR22 insurance is a basic type of insurance but it is typically held by specific people. Someone who has had trouble holding an insurance plan and been caught without it will need to file for an SR22 insurance plan. Also, if you have been convicted of a serious moving violation like wreckless driving or driving under the influence you will also need an SR22.
An SR22 does come with a small price difference due to the fact that the holder has already failed to do the right things as an insured driver, but it’s not too much higher than your basic liability.
A few other things that may lead to someone needing an SR22 are too many moving violations in a short amount of time or a license suspension or revocation, whether or not it is because of a moving violation. If you end up with an SR22 you will be required to hold it for a certain amount of time, usually about 3 years. This is somewhat like being on probation for a criminal offense. You will take full financial responsibility for anything and everything that may happen.
Sr22 Insurance Rates
There is a different application for SR22 insurance versus your basic or even advanced plans. You will need to apply for it and have it approved on a different level than your average insurance. You will also need to provide your insurance company with any and all tickets or court records that require you to get the SR22 insurance in the first place.
Unfortunately if you are required to get an SR22 plan in one state and you move to another, you will still be required to carry out the SR22 requirements from the state you originally got the SR22 in. States have different limitations and regulations for their SR22 so you need to be fully aware of each and every requirement for the state you acquired the insurance plan in.
Now just because you got a SR22 insurance plan doesn’t mean your life is over, it just means that you will have to be on your best driving behavior for a little while. You can also find some really cheap sr22 online. Hopefully after which you will have learned your lesson and not need any more disciplinary action taken against you. If you do happen to mess up while on a SR22 then you will face a license revocation which can leave you legally unable to drive for many years, so be sure to keep your act together.