What You Need to Know
The first thing you need to know about an SR-22 is that it is not actually insurance. An SR-22 is a vehicle liability insurance file required by Virginia’s Department of Motor Vehicles for anyone with a high-risk insurance policy. SR-22s are typically needed for a driver to reestablish driving allowances after an uninsured car accident or traffic-related offense like a DUI. If you are convicted of driving without insurance, driving with a deferred license or driving under the influence, you may be obliged to have an SR-22 for three to five years. An SR-22 is only essential if a judge instructs you to acquire one and if you already have insurance you just need to add it to your policy. If you don’t have insurance, you must estimate an auto policy and SR-22.
An SR-22 is reasonably inexpensive, however there are still some costs built in. These costs include an SR-22 filing fee, a more expensive insurance rate because of a moving offense or collision and the possibility of the state demanding you to pay in full when your insurance contains an SR-22 filing.
Trust Us to File Your SR-22
Keep in mind that an SR-22 is not permanent. You can eradicate the file from your plan after you’ve had it for the required amount of time. Once your SR-22 has been dismissed, the violations that triggered the SR-22 will be removed from your driving record.
If you’ve been assigned an SR-22 by a judge, call HIS Insurance and Service today. We can help you add on an SR-22 to an existing policy or find you an auto policy quote so you can file for the SR-22.