Car insurance is something that you need to have if you want to legally drive on the roads. It also protects you and your property from unforeseen emergencies.
Instead of reaching into your pocket, you can use your insurance covers to pay for different claims or damage.
That being said, a lot of people have questions about SR-22 insurance. In this article, let’s talk about what it is and how long it lasts, how you can be best prepared to ensure that you’re driving safely, and peace of mind.
Who Has To Get SR-22?
An SR-22 is a CFR (Certificate of Financial Responsibility). It proves that you’ve been maintaining car insurance coverage for the legal minimum amount of time that you need to be able to drive.
Different states require SR-22s. If you have been driving, if you have been caught up in a driving incident or traffic offense, your car insurance provider will file an SR-22 form with the DMV from your state.
How Long Does An SR-22 Last?
So, how long does an SR-22 stay on your record? Most states require you to have SR-22 insurance for three years. During this time, you need to have continuous coverage.
If you lapse in your SR-22 coverage, then your car insurance company must report this to your DMV. In this instance, your license will then be suspended. After you complete the three years, it’s possible to re-enter the market and receive standard rates.
Keep in mind that if you have another violation, you may be required to get SR-22 insurance again. So the answer to “How long does an SR-22 stay on your record?” is typically two or three years, depending on whether you keep it active in that time period.
Who’s Required To Have A SR-22?
Some people wonder “Why do I need SR-22 in the first place?” It’s best to talk with an agent about your situation. However, here is a short answer:
You may need to get SR-22 insurance if you have a suspended license or revoked license, you have received a lot of tickets, you have a DWI or DUI, or have been caught driving without insurance.
Aside from that, the cost of SR-22 insurance varies depending on your state and circumstances.
Learn More About Custom Insurance Today
If you want to get the best rates and policies in Georgia for car insurance, reach out to Focus Insurance Group.
Our expert agents will guide you through the process of getting the car or homeowners insurance in Decatur that you need within a budget that is suitable for you. After all, you deserve to drive safely without worrying whether or not you’re covered.
