Every so often, someone will need an SR-22 filing, also known as high-risk insurance. Even if you do not own a car, the state may require you to obtain an SR-22. If you find yourself in this situation, we have created this guide to help you understand what an SR-22 is and assist you in navigating this process.
What is an SR-22?
The SR-22 is a form that is filed with the state and guarantees them that you have purchased insurance. If you should let your insurance lapse, the insurance company would promptly notify the state with an SR-26 form that rescinds their SR-22 form.
The reasons that people get an SR-22 vary, but some reasons include:
- Failure to have an active liability insurance policy.
- A conviction for driving without liability insurance.
- Driving uninsured and being in an auto accident.
- DUI, DWI, or other major alcohol or drug-related conviction.
- A serious moving violation like reckless driving.
- To reinstate license after a suspension.
Except for the SR-22 form, there is no difference in the coverages that are available to you. However, some insurance companies may refuse to write a policy for someone who needs an SR-22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR-22 while you are insured with them.
Needing SR-22 insurance is not the end of the world. We will make the process painless, and most of our companies will file directly with the state.
Who writes SR-22 certificates?
Several top-rated insurance companies will write SR-22 insurance. Because we are an independent agent, we can compare rates to find you the best price and coverage for your situation.
Does having an SR-22 affect my insurance rates?
Yes, you will pay quite a bit more for insurance with an SR-22. This is because insurance companies will evaluate your driving history, which is how they base their premiums. This means your insurance coverage will likely be higher than before.
What do I do with my SR-22 certificate?
You do not have to do anything. Your insurance company will notify the correct departments on your behalf. This is dependent on you keeping your insurance and pay your premiums. If your coverage lapses, they will inform the state that your coverage has lapsed, and you will then no longer be able to drive until you get it reinstated.
How long do I need to have an SR-22?
It depends, but often you will be required to carry an SR-22 for three years. Check with your local agencies for your specific situation.
Can I add an SR-22 to my existing policy, or do I need new insurance?
Some insurance companies will not accept a driver who needs an SR-22, so check with your agent. We will tell you whether you need a new policy or add one to your existing insurance policy.
While many dread having to carry an SR-22, we can make it quick and easy and even issue the policy over the phone for you so you can get back on the road. Call our office or request a quote online.
I do not even own a car! Why do I need an SR-22?
This is referred to as a non-owners SR-22. The coverage covers the individual with a driver’s license, not a vehicle. Each state varies with different laws, so be sure to talk to one of our agents to see what you need.
How do I get started?
If you need an SR-22 in Washington, call us. We will make the process quick and easy for you, offering you many choices between companies and payment options to help you along the way.
By working with us, you will get best-in-class customer service that knows time is essential. We are prepared to get you a quote ASAP.
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Cross Insurance represents the top-rated insurance companies in Washington. We will compare pricing and coverage options finding you the best policy for your needs. Fill the form below and an agent will be in contact with you in under 30 minutes (during standard business hours).
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