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Can I Get an SR22 Without Having Car Insurance? - The Insurance Stops

Can I Get an SR22 Without Having Car Insurance?

“I need to file an SR22 with the state. Can I get an SR22 without having car insurance?”

KEY TAKEAWAYS:

  • Can I get an SR22 without having car insurance? No, you can’t file an SR22 if you don’t have a car insurance policy.
  • The SR22 is not a type of auto insurance policy. It’s actually a certificate that verifies that your car insurance policy meets the minimum coverage requirements of your state.
  • If you want to get an SR22, you’ll need to start by getting a state-compliant car insurance policy.
Can I Get An Sr22 Without Having Car Insurance? - The Insurance Stops
Can I Get An Sr22 Without Having Car Insurance? – The Insurance Stops

If you’ve been convicted of a serious driving offense like a DUI or reckless driving, then you may be required to file an SR22 with your state’s Department of Motor Vehicles (DMV) before you can legally drive again. The SR22 is a certificate of financial responsibility that proves you have the minimum amount of liability insurance required by law.

But what if I don’t have car insurance? Can I get an SR22 without having car insurance? In this article, we’ll answer that question and provide you with some important information to help you navigate the process.

First, let’s talk about what “SR22 insurance” actually is.

First things first: let’s clarify what SR22 insurance is. Contrary to popular belief, SR22 insurance is not a type of car insurance policy. Instead, it’s a certificate that verifies that you have at least the minimum amount of liability insurance required by your state. When you file an SR22, your insurance company is required to notify the DMV if your coverage lapses or is canceled. So in other words, an SR22 is a way for the DMV to keep tabs on you and ensure you’re complying with the law.

Can I get an SR22 without having car insurance?

Now that we’ve established what an SR22 is, let’s answer the big question: can you get an SR22 without car insurance?

No, you can’t get an SR22 without having a car insurance policy. In order to file an SR22, you must have an active insurance policy that meets your state’s minimum liability requirements. If you don’t have car insurance, you’ll need to purchase a policy before you can file an SR22.

It’s important to note that not all insurance companies offer SR22 insurance, so you may need to shop around to find a policy that meets your needs. Additionally, some insurance companies may charge higher premiums for drivers who require an SR22. This is because drivers who file an SR22 are considered high-risk and are more likely to get into accidents or cause damage.

How do you get SR22 insurance?

If you need to file an SR22 but don’t have car insurance, here’s what you need to do:

  1. Shop around for insurance: Start by contacting insurance companies in your area to find out if they offer SR22 insurance. Be sure to ask about the cost and any other requirements they may have.
  1. Choose a policy: Once you’ve found an insurance company that offers SR22 insurance, choose a policy that meets your needs and budget. Be sure to ask about any discounts that may be available.
  1. File the SR22: After you’ve purchased a policy, your insurance company will file the SR22 with the DMV on your behalf. Be sure to confirm that the SR22 has been filed and that you’re in compliance with the law.

Need help getting good car insurance and filing your SR22?

We can help with both! Our car insurance professionals have years of experience in helping people get SR-22-compliant. We’ll help you find a great car insurance policy that meets the minimum coverage requirements of your state, and we’ll even walk you through the entire SR22 filing process. Request a free consultation today to get started!  

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