SR-22: What You Need to Know Before You Get a Driver’s License
- By Joshua Zitting
- •
- 29 Sep, 2021
- •
Getting a driver’s license may be a little more tedious for some people than others. If you are in the process of getting a new license or renewing your old one, your state may have you submit an SR-22 in your application. You may have received a letter informing you that you need to include this coverage in your application and may be wondering why.
This blog post will shed some light on SR-22 certifications, why you are asked to include one in your application, and how to get one. Read on to find out more about SR-22 to get ready for your driver’s license application.
SR-22: What You Need to Know Before You Get a Driver’s License
Before anything else, there is a need to know what an SR-22 is and what this type of coverage entails. In a nutshell, an SR-22 is a necessary type of insurance for a driver that is perceived to present a higher risk on the road.
The Difference between SR-22 and Regular Insurance
In truth, there will be no difference in your regular insurance coverage when you receive an SR-22 certification. To obtain an SR-22, you must carry the minimum liability coverage for your state, but you aren’t required to keep your coverage to the minimum. It is your discretion to increase your coverage, which in most cases is the better option to take.
Who May Need an SR-22?
The state will require people who are found to be “high-risk drivers” to get an SR-22. This will mean that they will be taking the necessary steps and precautions to keep themselves and other people safe while on the road.
How to Get an SR-22
The initial step you need to take to get an SR-22 is to find the right insurance provider. Remember that not all providers offer this type of coverage, and finding a provider that knows the ins and outs of this type of documentation is critical. Once you have found a provider that you will be comfortable with, you may begin negotiating with them to provide the best coverage for you.
Getting an SR-22 Removed
In most cases, you will be required to retain your SR-22 for three years. After this time, you may be able to have it removed. After all, an SR-22 will not slide off on its own. If you have already had this coverage for the minimum amount of time, you may want to check with your Bureau of Motor Vehicles to inquire about if you still need the coverage moving forward or not.
Conclusion
If you have been asked to submit an SR-22 with your new driver’s license or renewal application, complying with the regulations will help you get your driver’s license more quickly. Also, once you can verify that you will be allowed to have your SR-22 removed, it will be easier for you to get your license next time around. No matter the circumstances, working with a reliable insurance provider will help you get set up with everything you need to successfully apply for your license and driver with peace of mind knowing you have the insurance to cover any unwanted events.
If you are looking for a reliable insurance company based in Sanford, Florida, come to Sanford Insurance Center. We offer homeowners insurance, mobile home insurance, auto and motorcycle insurance, RV insurance, and other types of insurance you may need! Contact Sanford Insurance and get covered today!
