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    Ask This When Getting SR22 Insurance

    An SR22 is a document showing proof of financial responsibility, usually required if you are in an at-fault accident and have no insurance, if you get a DUI or other serious moving violation, get too many tickets in a short period of time or if your licenses is suspended or revoked. An SR22 is usually in effect for three years, after which the SR22 expires and is no longer needed. If your insurance policy is canceled or lapses while you have an SR22 in place, your license may be revoked or suspended, so make sure to maintain continuous coverage for the duration of the SR22. Your insurance company can help you better understand the purpose of an SR22, why you need one and how long the SR22 must be in place. If you've been told that you need an SR22, ask the following questions when talking to your insurance company.

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    How do I get SR22 insurance?
    Most insurance companies will file the SR22 form for you, but check with your insurance agent to find out what you need to do in order to get an SR-22, since each insurance company handles SR22 documents differently. 
    How will an SR22 affect my insurance rates?
    While the cost to file an SR22 is not high, an SR22 may cost you in the long run by raising your insurance premiums. Some insurance companies will not insure drivers who have had an SR22, while others will provide insurance at a much higher rate. Ask your insurance agent how getting an SR22 will affect your premiums, so you know what to prepare for later on. 
    How much will the SR22 cost?
    Though it varies by state, most insurance companies charge a small fee for SR22 filings, usually around $25. Keep in mind, however, that the SR22 is not insurance itself. Liability insurance must be bought and maintained along with the SR22, and premiums might be higher because of the SR22 filing. 
    How can I avoid an SR22 requirement?
    Not everyone needs an SR22. If you do not yet have a court order to get an SR22, talk to your insurance agent about ways you can avoid needing one in the future. This will include maintaining continuous auto insurance, driving responsibly and never driving while intoxicated. Drinking and driving are the most common reason SR22s are ordered. 
    How long will I need the SR22?
    An SR22 is normally in effect for three years before expiring. Some cases may be different, however, so ask your insurance agent how long you are required to have an SR22 in place. 
    What are the requirements for SR22?
    While an SR22 is in effect, there are certain requirements that must be met in order for your license to remain valid. Continuous auto insurance is the primary requirement, but there may be others depending on your state. Ask your insurance agent what requirements are in place while the SR22 is in effect and make sure you follow them to the letter. Otherwise, you could end up with a suspended or revoked driver's license.