If you have a DUI, have been caught driving without insurance, or have been involved in several accidents, you may be required to carry SR22 insurance. This type of insurance is a requirement in many states in order to ensure that high-risk drivers are financially responsible. State Farm, one of the largest insurance providers in the United States, offers SR22 insurance to those who need it. In this article, we will explain what SR22 insurance is, why you need it, and how to get it through State Farm.
What is SR22 Insurance?
SR22 insurance is a type of car insurance policy that is required by law in some states for high-risk drivers. Essentially, it is a guarantee from your insurance company to the state that you are carrying the minimum required amount of liability insurance. SR22 insurance is typically required after a driver has had their license suspended or revoked due to a DUI, driving without insurance, or multiple traffic violations.
The SR22 form itself is not an insurance policy, but rather a certificate that is filed with your state’s DMV. The certificate provides proof that you are carrying the required amount of insurance. If you fail to maintain your SR22 insurance, your insurance company is required to inform the state, which could result in your license being suspended or revoked once again.
Why Do You Need SR22 Insurance?
If you have been caught driving under the influence, driving without insurance, or have been involved in multiple accidents, you are considered a high-risk driver. In order to ensure that you are financially responsible for any future accidents, many states require that you carry SR22 insurance. This insurance guarantees that you have the required minimum amount of liability insurance, which can help to protect other drivers in the event of an accident.
How to Get SR22 Insurance from State Farm
If you are required to carry SR22 insurance in your state, State Farm can help you with the process. In order to get started, you will need to contact a local State Farm agent. They will be able to explain the process to you and provide you with a quote for SR22 insurance.
Keep in mind that SR22 insurance is typically more expensive than traditional car insurance, as it is for high-risk drivers. However, State Farm offers competitive rates and discounts that may help to lower your premiums.
FAQ: SR22 Insurance from State Farm
1. How long do you need to carry SR22 insurance?
The length of time that you need to carry SR22 insurance varies by state. In most states, you are required to carry it for a minimum of three years.
2. Can you switch insurance companies while carrying SR22 insurance?
Yes, you can switch insurance companies while carrying SR22 insurance. However, you will need to ensure that your new insurance company files an SR22 certificate with your state’s DMV before you cancel your existing policy.
3. Will SR22 insurance cover damages to my own vehicle?
No, SR22 insurance only covers damages that you cause to other drivers’ vehicles or property. It does not cover damages to your own vehicle.
4. Can you get SR22 insurance if you do not own a car?
Yes, you can get non-owner SR22 insurance if you do not own a car. This type of insurance provides liability coverage if you are driving someone else’s vehicle.
5. How much does SR22 insurance cost from State Farm?
The cost of SR22 insurance from State Farm varies based on several factors, including your driving history and the state in which you live. Contact a local State Farm agent for a quote.
Conclusion
If you are required to carry SR22 insurance, State Farm can help you through the process. Remember that SR22 insurance is a requirement in many states for high-risk drivers, and failing to maintain it could result in your license being suspended or revoked once again. Contact a local State Farm agent today to get started with SR22 insurance.
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