About SR-22
First off, what is an SR-22?
Answer: An SR-22, also called a Financial Responsibility Filing, is a vehicle liability insurance supervising system that the state uses to keep track of certain offenders, aka “high-risk drivers.”
There are different reasons why a driver might need an SR-22, including:
- DUI or DWI conviction
- Serious moving violations
- At-fault accidents while uninsured
- Repeated traffic offenses
- License suspension or revocation
- Failure to maintain insurance
Having an SR-22 shows that you’ve met your state’s minimum car insurance requirements for a specified period.1
Getting An SR-22
When the Department of Motor Vehicles (DMV) or court demands an SR-22, your best bet is to seek the help of a bonding and insurance agency that’s willing to help.
Unfortunately, most insurance companies will NOT insure someone with an SR-22 because they are a huge risk. ❌
The good news is that All n One Bonding & Insurance offers SR-22 insurance. ✅
You Can Get SR-22 Insurance In One Easy Step
All you have to do to get started is call us! It’s that simple. While other insurance companies make it complicated, we make it easy.
What You Need
What you need to get SR-22 insurance depends on whether you own a car or not. Let’s take a further look.
Owning A Car vs Not Owning A Car
If you own a car, we can issue an Owner Policy. Once we give you the policy with an SR-22 attachment, it will take 48 hours to notify the DMV that you have insurance.
At that time, you can go down to the DMV with all the required paperwork and a copy of the policy from us and apply for a new license.
If the car insurance policy is canceled before the SR-22 requirement is met, your driver’s license will be suspended until compliance is met again.
If you do not own a car but still need a driver’s license, you can obtain a Non-Owner SR-22. This policy states that you do not own a car, and you are getting the state-regulated minimum coverage, enabling you to get a driver’s license.
To obtain a Non-Owner SR-22 policy, all we need is your identification.
The Cost
How much will this cost? On average, an SR-22 will cost about $45 – $65 per month or $540 – $780 per year. There is also a one-time processing fee of $10.
Although the process may seem complicated, we can get you compliant. Come in or give All n One Bonding & Insurance a call. We are happy to explain your situation.
Our customers have found that we are cheaper than other insurance carriers, even without the SR-22 policy.
SR-22 Duration and Removal
An SR-22 may be required for three years for a conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.2
When the SR-22 is no longer needed, and your requirement is fulfilled, All n One Bonding & Insurance can help you have it removed with an SR-26 form while still covering your regular automobile insurance policy.
References:
- Pasman-Green, Nora J. (2011). “Off the Roads & Out of the Courts: Enter a Technology Fix for Drunk Driving”. Journal of Law and Health. 24 p. 225 n. 34 – via HeinOnline.
- “What is the SR-22?”. Illinois Secretary of State. Archived from the original on 2008-10-07. Retrieved 2008-07-08