SR 22: A Comprehensive Guide
If you’ve recently been told you need SR-22 insurance, you might be feeling confused or overwhelmed. At Universal Insurance Services LLC, we’re here to make the process as simple as possible and ensure you get back on the road with confidence.
What Is SR-22 Insurance?
Contrary to popular belief, SR-22 is not an insurance policy—it’s a certificate proving you have the minimum required liability insurance. Your insurance provider files this document with the state Department of Motor Vehicles (DMV) to confirm you’re meeting the state’s coverage requirements.
Who Needs an SR-22?
An SR-22 is typically required for drivers who have been:
- Convicted of a DUI/DWI or other serious moving violations
- Driving without insurance
- Involved in at-fault accidents without coverage
- Accumulating too many points on their license
- Reinstating a suspended or revoked license
If the court or DMV mandates an SR-22 filing, failing to maintain it can lead to further license suspension or legal consequences.
How to Get SR-22 Insurance
At Universal Insurance Services LLC, we specialize in finding the best insurance options for drivers who need an SR-22. Here’s how the process works:
- Contact Us – We help you find a qualifying insurance plan that meets state requirements.
- We File Your SR-22 – Once you secure coverage, we file the SR-22 with the DMV on your behalf.
- Maintain Continuous Coverage – You must keep your policy active for the duration required by your state, typically three years.
- Drive Responsibly – Avoid future violations to prevent needing an SR-22 again.
The Cost of SR-22 Insurance
Because an SR-22 is often required after serious driving violations, your insurance premium may increase. However, with the right insurance provider, you can still find affordable coverage that keeps you legally insured.
Let Universal Insurance Services LLC Help
Navigating an SR-22 requirement doesn’t have to be difficult. Our team at Universal Insurance Services LLC is ready to guide you through the process and ensure you receive the coverage you need.
Contact us today for a free quote and take the next step toward getting back on the road with confidence!
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