Can I Get an SR22 Certificate Without Getting Liability Insurance?
Reader’s Question:
Can I have an sr22 without getting liability or insurance for my vehicle?
Kim
Thank you for asking Kim.
Most states usually require vehicle owners to purchase a minimum amount of bodily injury and property damage liability insurance before they can drive legally their vehicles. All states have laws on financial responsibility. This means that individuals involved in a car accident will be mandated to provide proof of financial responsibility up to certain minimum amount limits. To comply with financial responsibility laws, most drivers buy car liability insurance.
You may be able to purchase a non-owners liability SR22 policy if you do not own a motor vehicle.
Goodluck!
MariCAR
How Much Does SR22 Insurance Cost?
Reader’s Question:
How much does sr-22 insurance cost?
Miguel
Thank you for asking Miguel.
The car insurance coverage bought that is associated with the SR-22 form will be rated depending on all factors that go into rating a policy, regardless of the SR-22 form filing. The insurance rates are not different if you are getting an SR-22 or not.
As for the actual SR-22 form, typically insurance providers are allowed to charge a nominal fee for filing the financial responsibility form (certificate) or sr22 to the state. State laws differ but typically the SR-22 form filing fee is only $15 to $25.
Your driving history is one of the rating factor in the cost of car insurance so the reason that you are mandated to obtain and carry the SR-22, such as reinstating your driving privilege after a DUI suspension, may affect your auto insurance premiums but the SR-22 form itself does not beyond the filing fee.
Goodluck!
MariCAR
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