What You Need to Know about SR-22s
The first thing you need to know about an SR-22 is that it is not an insurance policy. An SR-22 is a vehicle liability insurance document required by Virginia’s Department of Motor Vehicles for anyone with a high-risk insurance policy. SR-22s are usually needed for a driver to restore driving rights after an uninsured car accident or traffic-related violation like a DUI. If you are convicted of driving without insurance, driving with a suspended license or driving under the influence, you may be required to have an SR-22 for three to five years. An SR-22 is only needed if a judge rules that you must acquire one and if you already have insurance you just need to add it to your policy. If you are uninsured, you must quote an auto policy and SR-22.
An SR-22 is fairly cost-effective. However, there are still some expenses involved. These costs include an SR-22 filing fee and a marked up insurance rate because of a moving violation or accident. It may also include the chance of the state requiring you to pay in full when your insurance incorporates an SR-22 filing.
Trust Us to File Your SR-22
Keep in mind that an SR-22 is not permanent. You can eliminate the file from your policy after you’ve had it for the three to five years required by the state. Once your SR-22 has been cleared, then your driving record will also be clear of the infractions that activated the SR-22.
Has a court insisted that you file for an SR-22 in the aftermath of a car accident or other moving violation? Contact HIS Insurance and Service today; we’ll help you attach an SR-22 to existing insurance. If you don’t already have insurance we’ll find you an affordable quote to fit your needs.