Car insurance is an essential aspect of responsible vehicle ownership, but various types and terms are associated with it. One term that you might have come across is “SR-22 insurance.” You’re not alone if you’re unsure about what SR-22 insurance is and how it may affect your car insurance coverage. In this blog, we’ll answer some common questions about SR-22 insurance to clarify this topic.
What is SR-22 Insurance?
SR-22 insurance is not a type of car insurance coverage but a certificate proving you meet the state’s minimum car insurance requirements. In Kansas, as in many other states, SR-22 is required for individuals who have been involved in certain violations, such as driving without insurance, DUI offenses, or reckless driving.
Why is SR-22 Insurance Required?
The state may require an SR-22 certificate from individuals who have committed serious traffic violations to ensure they maintain continuous insurance coverage. It serves as proof of financial responsibility and helps monitor high-risk drivers.
How Do I Obtain SR-22 Insurance?
To obtain SR-22 insurance, you need to contact your insurance provider. Not all insurance companies offer SR-22 filings, so it’s crucial to check with your insurer or find an insurance agency to assist you in obtaining one.
Does SR-22 Insurance Cost More?
SR-22 insurance typically can result in higher premiums than standard car insurance policies. Since it’s required for high-risk drivers, insurance companies view it as an added risk and adjust the rates accordingly.
How Long is SR-22 Car Insurance Required?
The duration you must maintain SR-22 insurance varies depending on the offense and the state’s regulations. In Kansas, SR-22 insurance is generally required for three years.
Can I Cancel SR-22 Car Insurance?
You cannot cancel SR-22 insurance on your own. To terminate it, you must contact your insurance provider and request the removal of the SR-22 filing. However, it’s crucial to maintain continuous coverage during the required period, as any lapse may result in penalties.
Can I Get a Free Quote for SR-22 Car Insurance?
Absolutely! At Tom Rich Insurance, we offer free quotes for SR-22 and other car insurance coverage options. We aim to provide Kansas residents in Johnson, Wyandotte, and Leavenworth Counties and cities like Overland Park, Shawnee, Merriam, and Mission with the right insurance solutions tailored to their needs.
Contact Tom Rich Insurance for Your SR-22 Insurance Needs
Navigating the complexities of car insurance, especially SR-22 insurance, can be challenging. That’s where Tom Rich Insurance comes in. We’re here to provide the information and assistance you need to secure the right coverage at competitive rates.
If you have further questions about SR-22 insurance or want a free quote, don’t hesitate to reach out to us. Our experienced insurance agents are ready to help you make informed decisions to protect yourself and your vehicle. Contact us today by calling (913)281-0808 to get started on your SR-22 insurance journey. Your peace of mind is our priority.