What is an SR22 or Certificate of Financial Responsibility?
What is SR22 Insurance?
An SR22 is a form of insurance that proves to the state that you have the required financial responsibility to drive. Most people are required to obtain an SR22 in order to reinstate their driving privileges after certain violations. COFR, or Certificate of Financial Responsibility, is another term for this type of insurance.
How SR22 Insurance Works
When you get an SR22, your insurance company will provide you with a document that you can submit to the state. This document shows that you have the right coverage and are able to drive again. You will need to keep your SR22 and auto insurance policy active for an approximate period of three years. If your insurance policy lapses, your insurer is legally obligated to inform the DMV. If this happens, your license will be suspended until you reinstate your insurance.
Getting an SR22
If you need an SR22, you can get one from your insurance company. Once you have your SR22, you will need to submit it to the state. The state will then lift the suspension of your license and you will be able to drive again.
Do I need SR22 insurance?
SR22 Insurance: When Do You Need It?
SR22 insurance is a legal requirement imposed by the state for drivers who have certain violations on their driving record, such as:
- Driving under the influence (DUI/DWI)
- Multiple traffic violations
- Driving without insurance
- Unpaid child support
- License suspension or revocation
Types of SR22 Insurance Coverage
SR22 insurance provides financial protection to drivers who have had their license suspended or revoked. It ensures that they maintain the required insurance coverage while driving.
- Liability Coverage: Protects the policyholder from financial liability in case of bodily injury or property damage caused to others.
- Uninsured Motorist Coverage: Covers the policyholder if they are injured by an uninsured or underinsured driver.
- Comprehensive Coverage: Protects the policyholder’s vehicle against theft, vandalism, or other non-collision damages.
- Roadside/Rental Coverage: Provides assistance for unexpected events such as roadside emergencies or the need for a rental car.
SR22 Insurance in Juneau
Need SR22 insurance? Call our local experts for a fast quote. Get back on the road quickly once you’ve filed your SR22 and paid your fees.
Our agents are ready to guide you through the process, answering any questions you may have. Get started today and get your license back.
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