What is SR-22 insurance?
In Kansas, as in most U.S. states, an SR-22 insurance is not a type of regular insurance policy but rather a form that verifies a driver's insurance coverage and financial responsibility. SR-22 is required for individuals who have been deemed high-risk drivers due to specific driving violations or incidents. It's often referred to as a "certificate of financial responsibility."
Here's how SR-22 insurance generally works:
-
Requirement Trigger: You might be required to obtain an SR-22 if you've been involved in serious traffic violations or offenses. Common reasons include driving under the influence (DUI), driving without insurance, being involved in an accident while uninsured, accumulating excessive points on your driving record, or having your license suspended or revoked.
-
Insurance Filing: If you need an SR-22, you'll need to contact your insurance provider and ask them to file the SR-22 form on your behalf. Your insurance company will then notify the Kansas Department of Revenue that you have met the state's insurance requirements.
-
Higher Insurance Rates: Because SR-22 indicates that you're a higher-risk driver, your insurance premiums are likely to increase. This is because insurance companies view you as more likely to file a claim.
-
Maintenance Period: You'll generally need to maintain the SR-22 filing for a specified period, which varies depending on the reason you need it. This could be anywhere from a few months to a few years.
-
Non-Cancellation: If your insurance policy is canceled during the SR-22 period, your insurance provider is obligated to inform the state, which could lead to further consequences like a suspended license.
-
Completion and Removal: Once you've completed the required period without any further violations or incidents and you've maintained continuous insurance coverage, your SR-22 requirement will be lifted, and your insurance rates might gradually decrease.
It's important to note that not all insurance companies offer SR-22 filings, so you might need to shop around or work with a specialist insurer if you find yourself in need of an SR-22. Always consult with your local Department of Motor Vehicles (DMV) or the relevant authority in Kansas to get accurate and up-to-date information about SR-22 requirements in the state.
Tom Rich and his team are here to help you with any SR-22 insurance questions you have at 913-281-0808.
Making Insurance Easy
Our goal is always to see you protected in any event. Our team of experienced professionals at Tom Rich Insurance relies on a deep working knowledge of all kinds of insurance products. We’re able to explain even the most complex situations in plain language you can understand.
Founded in 1992, Tom Rich Insurance has been owner-operated for over 30 years of experience. While we’ve successfully addressed all types of insurance situations, from auto insurance to homeowners and everything in between, our work is always guided by a core set of principles. The true value of insurance is the peace of mind it brings. With Tom Rich Insurance, you can rest assured we tailor packages to address nearly any situation you might face.
Contact us today at 913-281-0808 with any questions and/or to receive a free quote.