What is SR-22 Coverage?

by | Apr 7, 2017 | Insurance

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If you have found yourself on the wrong side of the road and facing a DUI or other serious traffic violation you make find that you need to get what is known as SR-22 Coverage. Here’s what you need to know about this type of coverage and what you can expect while you are under coverage of a SR-22 in Peoria:

1. Technically it is not insurance

Many times, this coverage is referred to as SR-22 insurance, it really is just a certificate that your care insurance provider files on your behalf with your sate to vouch for you. Basically, it verifies you have coverage and is generally required by a judge after certain rulings involving automotive or vehicle issues. It is a way of ensuring that you are properly covered while on the road since you are now seen as a bigger liability.

2. Generally it doesn’t cost too much

Having an SR-22 certificate filed for you may cost you an upfront one-time fee or it may be included as part of your current insurance policy and tacked on as additional fees for the month it is filed. Usually the fee is fairly reasonable at between $25 and $50 in most states. Your insurance premiums each month might go up as a result of the SR-22 if it is being required because of a moving violation or accident that you were involved in.

3. It’s not forever

Usually a SR-22 filing needs to be maintained for a period of three years though this can vary from one state to another. It is also important to note that three years is generally how long it takes for most accidents and ticket violations to be dropped from your records.

If you need help filing for a SR-22 certificate or have questions you need to get expert help and ensure you are working with an insurance provider who has experience working with this special type of coverage.  To learn more about filing SR-22s in Peoria, contact Accurate Auto Insurance today!

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