Sr22 insurance

SR22 Insurance

Most DUI convictions carry with them the burden of SR-22 car insurance. SR-22 insurance is also called financial responsibility insurance, and it is a way for the state to make sure that your insurance company carries the financial burden and risk of you as a driver. SR-22 is not insurance as much as it is a form that must be filled out in order for you to have your license reinstated. There are three major types of SR-22 forms in nearly every state.

An Operator’s Certificate demonstrates that you have the insurance necessary to cover you in any vehicle that you do not own.

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SR22 Insurance:

An Owner’s Certificate shows that you have the insurance policy necessary to cover every vehicle that you currently own. The certificate can either list each vehicle you own or it can be a blanket issue certificate.

An Owner-Operator Certificate covers you in any vehicle you own as well as any vehicle you do not own.

You can obtain an SR-22 certificate to submit to your state authorities by first contacting an insurance company. You will have to let them know what you are looking for, and you will have to make some advance payments in order for them to issue the initial certificate. The certificate will usually be sent directly to your state’s licensing agency, and you will usually be given a copy of it as well. This process can take up to a month in most states, and once complete, you will get a signed copy of the SR-22 certificate back from the state.

Once you have the SR-22 certificate, you have to keep it for the period of time specified by your state. In many cases, it is twelve to thirty six months. Should you fail to pay the premium on your insurance, the company will immediately notify the state’s licensing department, and your license will be revoked.

If you have been convicted of a DUI offense, there is virtually no way to avoid the SR-22 requirement. Once you’ve been convicted, insurance companies will require high risk insurance until your record can be expunged. There are, though, ways to obtain cheaper high risk insurance, and while you can shop around from company to company, your DUI attorney may be able to suggest a company or two that can help.

Here is a list of major insurance companies that offer SR-22 certification.

State Farm:	http://www.statefarm.com/homepage.htm
Geico:	http://www.geico.com/
Progressive:	http://www.progressive.com
AAA:	http://www.aaa.com
All State:	http://www.allstate.com

Small startup companies may offer SR-22 certification as well, but there are several things you may want to look for in the right insurance provider. Obviously you’ll want to choose a provider who offers you SR-22 certification at the right price, but you may also want to choose a provider who is easy to work with. If a provider is less than enthusiastic about working with you, move on. There are lots of people who want you to buy insurance from them. Talk with friends and family about their insurance providers, and be sure your chosen provider is listed with your state’s board of accepted insurers.

Many, but not all states make a distinction between Driving Under the Influence (DUI) and Driving While Intoxicated or Driving While Impaired (DWI). While some states are more lenient with first time DUI offenders, standards are much more strict and penalties are much more severe than ever before. States are continuing to refine their DUI and DWI guidelines. Both driving violations are regarded as serious and perilous offenses against society by drivers who should not be behind the wheel.

Some states do not differentiate between DUI and DWI but many states draw a distinction based on the level of Blood Alcohol Concentration (BAC). In these states, a first time DWI offender may be reduced to a DUI under specified conditions. Second offense DUI drivers or DWI drivers can expect to draw the full wrath of the court.