People researching SR-22 insurance are likely to have driver’s license violations like a DUI incident, driving without proof of insurance, under a suspended license, or other violations. Often drivers discover coverage is more costly than anticipated. Learn about SR-22 insurance and how to choose the right policy for your budget and coverage needs.
The SR-22 Form
Finding a suitable car insurance policy requires more than competitive pricing and a brief coverage analysis. For example, in California, an SR-22 form must be filed by an insurance carrier with the Department of Motor Vehicles to prove a driver obtained coverage. As a result, it is crucial to verify drivers will get this proof of financial responsibility required to get insurance after specific traffic violations or incidents.
Insurance Provider Required
A California driver with a DUI needs more than a policy number and insurance ID card to get a license returned by the DMV. A qualified insurance provider must complete and file the driver’s SR-22 to get coverage. In addition, drivers whose previous insurance provider dropped must find SR-22 coverage to get their licenses back and get on the road again.
Broker Versus Insurance Companies
Most California drivers find the most comprehensive coverage at the lowest prices by working with a broker rather than one insurance company with limited offerings. A broker has access to various insurance providers to find the best California SR-22 insurance quote for drivers, including ones with specific violations that have difficulty finding coverage elsewhere. Plus, brokers do the shopping for drivers with DUI to help them save time and money.
Making the Commitment
California drivers must carry SR-22 insurance for three years from the date their licenses are reissued after completing the four-month driving suspension period. However, some drivers can get a restricted license to get back and forth to work during this suspension time. The bottom line is it can take up to ten years to regain “good driver” status after a DUI.
Facts About Non-Owner SR-22 Insurance Coverage
Non-owner SR-22 insurance does not provide the loopholes many drivers think this coverage offers and is best carried only if mandated by the Department of Motor Vehicle or for those who do not drive habitually. Non-owner California SR-22 insurance is a minimum requirement and only covers drivers using a third-party vehicle they do not use frequently, and that is not part of the household. Plus, this insurance only covers damage done to others.
Comprehensive Coverage Matters
While drivers want to save money, comprehensive coverage is crucial to ensure damages are paid in the event of an accident or injury. Additionally, limited coverage with large deductibles could leave drivers in a stressful financial situation if they cannot cover these costs. As a result, finding a policy that offers the necessary coverage if needed rather than trying to pay less and getting less than required is essential.
Work With Insurance Professionals
Drivers that need specialized coverage like California SR-22 insurance should always consult with insurance professionals before making a final decision about coverage to compare the terms and costs. Also, paying less may mean getting reduced coverage or the wrong insurance. Work with an expert insurance broker today to get the coverage you need tomorrow to get on the road and start returning to “good driver” status.
