An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits. If you are required to maintain this filing, you will be notified by the state.
An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.
What is an SR-22?
An SR-22 is an insurance document that shows proof of financial responsibility and verification of auto liability coverage. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence of a drug or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.
How does an SR-22 affect you?
An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have an SR-22 for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.
How much does an SR-22 cost?
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. Call A1 Insurance in Kansas City today and we will be glad to speak with you further about costs.