{"id":2009,"date":"2023-04-14T21:18:00","date_gmt":"2023-04-14T21:18:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=2009"},"modified":"2023-06-06T14:27:42","modified_gmt":"2023-06-06T14:27:42","slug":"does-getting-sr-22-notice-mean-i-cant-buy-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/high-risk-auto-insurance\/does-getting-sr-22-notice-mean-i-cant-buy-auto-insurance\/","title":{"rendered":"Does Getting an SR-22 Notice Mean I Can\u2019t Buy Auto Insurance?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The first thing you have to realize when getting a notice that you need an <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\"><span style=\"font-weight: 400;\">SR-22<\/span><\/a><span style=\"font-weight: 400;\"> form filed when buying <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/\"><span style=\"font-weight: 400;\">car insurance<\/span><\/a><span style=\"font-weight: 400;\"> is \u2013 it\u2019s what you do next that counts.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019re just paying the price for having been pulled over and found guilty of any of several possible traffic violations associated with such a filing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These violations include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drinking and driving (DUI)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reckless driving<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Careless driving<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Involved in a car accident without car insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Getting caught driving without car insurance one or more times<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving on a suspended license<\/span><\/li>\n<\/ul>\n<h2><b>What Exactly is an SR-22 Filing?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">An SR-22 filing is often required by the State Department of Motor Vehicles as proof of financial responsibility. If someone has committed a serious offense while driving, such as a DUI or reckless driving, they may need to <\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/how-do-i-get-an-sr22\/\"><span style=\"font-weight: 400;\">submit an SR-22 application<\/span><\/a><span style=\"font-weight: 400;\"> to the state DMV before they can have their driver&#8217;s license reinstated. It&#8217;s important to note that an SR-22 is not an insurance policy; rather, it&#8217;s a certificate of insurance that verifies that you have the required car insurance policy coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An example of a common reason for needing an SR-22 is if someone has been caught driving without insurance. Additionally, if someone has been involved in an accident and found to be at fault but didn&#8217;t have sufficient insurance coverage, they may be required to file an SR-22.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not everyone needs to file an SR-22, and it&#8217;s a privilege that can be taken away if someone doesn&#8217;t follow the rules set forth by the state. Depending on the state and the offense committed, an SR-22 bond may need to be purchased in addition to the regular car insurance policy. There may also be additional fees associated with filing an SR-22, and the duration of the requirement can vary from state to state.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s important to keep in mind that an SR-22 filing has a specific start and end date, and the driver must maintain their car insurance policy for the entire period. If the policy is canceled or lapses at any point during this time, the auto insurance company is required by California law to notify the state immediately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While an SR-22 filing can be a hassle, it&#8217;s a necessary step for those who need it. By complying with the state&#8217;s requirements and maintaining a valid car insurance policy, people can work to rebuild their driving record and regain their driving privileges.<\/span><\/p>\n<h3><b>Good News \u2013 Bad News<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The good news about an SR-22 filing requirement is that it\u2019s not forever. It\u2019s rather painless and not all that hard to add onto a new auto insurance policy, if your current carrier opted to part ways with you. Should you be lucky enough to have an existing auto insurance policy, it\u2019s even easier. Furthermore, the actual filing of the SR-22 is fairly inexpensive and won\u2019t bust your wallet.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, for the bad news. The fact that you had to file the SR-22 means you\u2019re more than likely going to be considered a <\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/am-i-a-high-risk-driver\/\"><span style=\"font-weight: 400;\">high risk driver<\/span><\/a><span style=\"font-weight: 400;\"> by any and all insurance carriers due to your infraction and, as a high risk driver, you\u2019re looking at significantly higher car insurance rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While the extra expense may take a bit out of your monthly budget, make paying your auto insurance a priority. The alternative of letting it lapse with an SR-22 attached isn\u2019t worth the added penalties you could face.<\/span><\/p>\n<h3><b>How Much Does SR-22 Insurance Cost?<\/b><\/h3>\n<p>If you&#8217;re located in <a href=\"https:\/\/www.freeway.com\/auto-insurance\/california\/\" data-cke-saved-href=\"https:\/\/www.freeway.com\/auto-insurance\/california\/\">California<\/a> and need SR-22 insurance, you may be wondering how much it will cost. <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/sr-insurance-california\/\" data-cke-saved-href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/sr-insurance-california\/\">On average, SR-22 insurance in California costs $741 per year<\/a>, plus a filing fee of $15 to $25 for the SR-22 form your insurer submits on your behalf. This is higher than the average cost of car insurance for drivers without an SR-22, which is $717 per year.<\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s important to keep in mind that these are just averages, and your individual cost could be higher or lower depending on factors like your car insurance company, policy, and driving record. To get a more accurate idea of how much you&#8217;ll pay, contact an insurance agent for a free quote. They can also provide guidance on how to maintain coverage and keep your premiums affordable.\u00a0<\/span><\/p>\n<h2><b>A Step-by-Step Guide to Obtaining an SR-22 Form<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 1: Determine If You Need SR-22 Insurance<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Firstly, check whether you need SR-22 insurance. The SR-22 requirement is typically imposed on high-risk drivers who have committed certain traffic violations, such as DUIs or reckless driving. If you are not sure whether you need SR-22 insurance, contact your state&#8217;s Department of Motor Vehicles (DMV) for more information.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 2: Contact an Insurance Company<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once you know that you need SR-22 insurance, start looking for insurance companies that offer SR-22 policies. Contact a few different insurance companies to compare prices and services. Make sure to provide accurate information about yourself, your vehicle, and your driving history.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 3: Provide Information to the Insurance Company<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The insurance company will need certain information from you in order to provide you with an SR-22 certificate. This includes your full name, address, driver&#8217;s license number, and the reason you need the SR-22 certificate (e.g., DUI conviction). You will also need to provide information about your vehicle, such as the make and model.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 4: Choose an SR-22 Policy<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once the insurance company has all the necessary information, they will provide you with different SR-22 policies. Choose the one that best fits your needs and budget. Make sure to read the policy carefully and ask questions if you have any doubts.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 5: Pay for Your Policy<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">After you have chosen an SR-22 policy, you will need to pay for it. Most insurance companies require you to pay the full premium upfront. Make sure to keep a copy of your payment receipt for your records.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Step 6: Receive Your SR-22 Certificate<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once you have paid for your policy, the insurance company will provide your DMV with a copy of your SR-22 certificate. You cannot file this document yourself. Make sure to keep a copy of your SR-22 certificate in your vehicle, as well as with your driver&#8217;s license.<\/span><\/p>\n<h3><b>How Long Will the SR-22 Be Required?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">How long you\u2019ll be stuck having to carry the SR-22 filing will depend on the severity of the violation that required it in the first place. Of course, keeping your auto insurance in force will play a major role in the length of time you\u2019ll need the filing. Typically, a period of three to five years is the norm, with a DUI requiring the longest time penalty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you wish to know the exact amount of time you\u2019ll need it, you can check directly with your local Department of Motor Vehicles (DMV).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be sure to notify your insurance carrier promptly as soon as you no longer require the filing. It\u2019s in your best interest since it could mean lowering your high rates to some that are more affordable or switching insurers to get the cheapest <\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/\"><span style=\"font-weight: 400;\">auto insurance rates<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you\u2019re clear of the SR-22, do your best to keep your driving record clean so you can take advantage of the many discounts available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Looking for affordable insurance, including SR-22? Look no further than Freeway Insurance! <\/span><a href=\"tel:800-777-5620\"><span style=\"font-weight: 400;\">Contact us today<\/span><\/a><span style=\"font-weight: 400;\"> for a free quote and see how we can help you get the coverage you need. Don&#8217;t wait until it&#8217;s too late &#8211; call now and get started on the road to affordable, reliable auto insurance.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The first thing you have to realize when getting a notice that you need an SR-22 form filed when buying car insurance is \u2013 it\u2019s what you do next that counts.\u00a0 You\u2019re just paying the price for having been pulled over and found guilty of any of several possible traffic violations associated with such a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[87],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/2009"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=2009"}],"version-history":[{"count":9,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/2009\/revisions"}],"predecessor-version":[{"id":8863,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/2009\/revisions\/8863"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=2009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=2009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=2009"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=2009"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=2009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}