If you have been convicted of a DUI or reckless driving, the judge may have mandated that you get SR-22 insurance. SR-22 insurance is a specific type of insurance that is filed with the Department of Motor Vehicles (DMV) by an insurance company. The form lets the Department know that you have the specific insurance that is required, and if you cancel it or it lapses, the insurance company is required to report the change immediately. If you do not keep this particular type of insurance current, the DMV can suspend or even revoke your driver's license immediately.
Depending on the court order and locality, you could be required to maintain the SR-22 for up to 10 years. When the DMV receives the information from your insurance carrier, they start tracking your coverage immediately. The Department will more than likely not inform you when the required period has passed, so it is important to keep up with the information on your own. If you feel that the fulfillment has been met, you can call your local branch and provide them with basic personal information to find out if you have met the obligation, or still need to maintain the insurance.
When you purchase SR-22 insurance, it is important to realize that you do not have to add it to your current insurance policy. Many people assume that they cannot get an SR-22 separately, but it is possible. Not all insurance carriers provide SR-22 insurance. You can choose to keep the insurance that you currently have and get the new policy with another company. A named non-owner policy is the best option in this particular situation. The SR-22 is merely there to meet the court-mandated requirements. It does not provide the same coverage as a more comprehensive insurance policy though. You need to make sure that you understand the coverage, and that you are properly insured at all times.
Comparison shopping is the key when getting SR-22 insurance. Every company will charge a different rate based on different factors. An independent insurance agent can help you shop around to ensure that you are getting the best rate that you possibly can. Many companies will give you a quote online or over the phone for free. Your independent agent will specify if you want a policy that only provides the SR-22 coverage, or if you are considering a switch in carriers when speaking to a new provider. If you are unhappy with your current insurance provider, your independent agent can help find a new provider thats best for you.
Call Accu Rate Insurance Agency at 888-607-6499 with any questions about Missouri SR-22 insurance or Illinois SR22 Insurance.