Buy SR22 Insurance
Filed under: Sr-22 insurance, Sr22 Form, What is an SR22
Reader’s Question:
Do I need to buy SR22 insurance?
Winston
San Francisco, CA
You don’t have to buy SR22 insurance of your own accord. It’s not part of having regular personal car insurance. However, there may come an unfortunate time when you will be ordered either by the DMV or the courts to do so.
To be compelled to buy SR22 insurance is usually the consequence of committing a fairly serious offense or getting convicted. The most serious one you can do is getting arrested for driving while under the influence of alcohol or controlled substances. This crime automatically obligates you to buy SR22 insurance.
SR22 insurance isn’t really a separate kind of car insurance. Actually, it can have any kind of coverage from liability to personal injury protection. It depends on what the DMV or court instructed. You can buy SR22 insurance from any car insurance carrier, usually from the company you already currently have a policy with. You take out the mandated coverage, and they file the SR22 form to the DMV, and hopefully everything is settled by then. Well, there are probably a few surcharges and legal fees that need to be dealt with, too.
Naturally, nobody really wants to go through all this hassle. The best and simplest way to avoid being ordered to buy SR22 insurance is to drive as safely as possible and follow all the traffic rules. It’s sometimes easier said than done but do you really want to add an extra burden to an already inescapable expense?
