If you haven’t received a DWI or you have not had any major violations on your driving record, chances are you have never heard of an SR-22 form. This lack of awareness has led to a lot of confusion about SR-22 requirements and the options you have for insurance when faced with this situation. Drivers eager to get back on the road need to understand exactly what an SR-22 certificate is and how it affects their choices for insurance coverage.

If you are required to have an SR-22, your car insurance rates will be higher than they otherwise would be. But not all companies penalize you equally for carrying an SR22, so it is important to work with a company that has expertise in this type of high risk insurance. The good news is that you will not be required to carry this type of insurance forever.  Action Insurance Agency is here to help you minimize the cost to you when it is required. If you keep your driving record clean and stay insured and you could be paying standard rates again in just a few years.

What is SR22 Insurance?

An SR22 certification is a form that is filed with the state. It isn’t a type of insurance. An SR-22 certificate of financial responsibility verifies that the named individual is carrying the state-mandated amount of car insurance for a high risk driver. By filing the form, your insurance company is guaranteeing to the state that you’re maintaining coverage and are financially responsible for any accidents. They are also required by law to let the state know if you do not.

Where To Get An SR-22

The only way to obtain an SR-22 form is from a car insurance company after you purchase a car insurance policy. You cannot obtain an SR-22 on your own. The insurance company is required to file this form on your behalf. If you have an existing auto policy, you may be able to have the SR-22 added on and filed with the state. If your insurance company is not able to file the form, or you’re uninsured, you will need to shop for a new car insurance policy with a company that is able to do so.

Why is an SR-22 required?

One of the most common needs for an SR-22 is for drivers who have a DUI on their record. If this is the case for you, read about DUI insurance. In reality, depending on where youlive the SR-22 can be required for a variety of reasons.

Common circumstances that result in an SR-22 requirement include the following:

  • Several traffic offenses within a short period of time
  • A conviction for driving without insurance
  • A DUI, DWI or other major alcohol violation conviction
  • A serious moving violation conviction, such as reckless or negligent driving
  • Being caught by the state not carrying car insurance on your registered vehicle
  • A requirement for you to obtain a hardship or probationary license
  • Getting in an accident while driving without insurance
  • A requirement to reinstate your driver’s license after suspension or revocation

Meeting the SR-22 requirement can help you get your license and/or registration reinstated and can get you back on the road. The state will inform you if it’s required through the mail. The notification should inform you why an SR-22 is required, the insurance requirements, and the time period that the SR-22 form must stay on file with the state.

About Sun Prairie, WI

President Martin Van Buren commissioned a party of forty-five men, including Augustus A. Bird, to build a capitol for the Territory of Wisconsin in Madison. The group left Milwaukee on 1837 and traveled for days in the pouring rain. Along the way the group emerged at the edge of the prairie and with the sun shining for the first time in days, carved the words “Sun Prairie” into a tree. One man returned to the area two years later and became the first settler.

The Town of Sun Prairie was created in 1846. The village of Sun Prairie, which grew from that town, was incorporated in an act of the Wisconsin legislature in 1868. Sun Prairie was incorporated as a city in 1958.

In 2018, a gas explosion leveled a downtown city block, destroying a bar and a pizza restaurant as well as damaging the old city hall building and multiple other nearby buildings. The bar owner and the fire captain were injured in the explosion and died as a result soon after. Many citizens and businesses around Sun Prairie offered their support to the families and businesses affected by the fire through fundraising campaigns. This tragic event was the origin of the tagline “Sun Prairie Strong”, a slogan which signifies the strength of the community when they come together.

Sun Prairie is a vibrant and thriving community located just east of the City of Madison in northeastern Dane county. The City of Sun Prairie has experienced strong population growth since its incorporation from a village to a city in 1958. The community has transformed from a relatively small community of less than 4,000 to a population estimated at more than 32,000 today.

The City has excellent access to major transportation routes and facilities and has a strong position in the region. Known by many as the birthplace of artist Georgia O’Keefe, Sun Prairie benefits from its proximity to the City of Madison and the University of Wisconsin. The two entities provide many amenities, events, and attractions for both residents of and visitors to the Sun Prairie area.

Sun Prairie has become known for its excellent parks and recreation programs in the region, its high quality of life, a beautiful historic downtown, its exceptional public school system, and its progressive approach to development and redevelopment in the community.

Sun Prairie is a rapidly growing business-friendly city, offering a smaller city feel within a thriving metropolitan area. It is consistently ranked as one of the top places in America to live. Sun Prairie continues to have one of the fastest growing retail areas in the state, one of the most successful downtown redevelopment areas, and it continues to be one of the region’s most successful employment centers. With growing manufacturing, technology and entrepreneurial sectors, the city is positioned for additional growth.

Non-owner SR22 Insurance

If you are looking to save money when an SR22 is required, non-owner SR22 insurance might be a great option for you. If you need a SR-22 and your current insurer doesn’t offer it, then sometimes you can buy a SR-22 non-owner policy with another company. Your original policy would be your primary and your non-owner SR-22 policy would allow you to get your required SR-22 filed with the state. Although this would allow you to keep your primary insurer, this still might not be the best option for you given that another company might be able to save you more money. Your non-owner policy would not cover any of your vehicles since it would come with an exclusion for any owned autos and autos regularly used. This is not duplicate coverage.

The SR-22 car insurance provider would require you to buy the same limits of liability that are on your primary policy. Again, working with a single company with expertise in high risk insurance might be a better option.  If you have a primary insurance provider that you don’t want to lose due to your need for an SR-22, because you have bundled coverage or other reasons, buying a separate non-owner policy to comply with the SR-22 requirement can be the right move for you. Action Insurance Agency can help you determine what is best for you.

How Much Does it Cost?

Car insurance companies can charge a one-time filing fee of $25, and that is the only cost for filing the actual SR-22 form. However, the violation that resulted in an SR-22 requirement will cause your auto insurance premium to increase. In short, it’s the infraction, not the SR-22, that will cause your rates to increase. On average, your rate will jump by 89 percent for an SR-22 filing with one DUI, according to one rate analysis by a major insurance carrier.

If your violation is serious, which most on the list of violations that require an SR-22 are, you can expect your car insurance rates to go up significantly. That doesn’t mean that you shouldn’t shop around. In fact, the rates for drivers like you can vary by thousands of dollars. But when you work with a company like Action Insurance Agency, we do the legwork for you to find the options that are the most affordable for you in this situation. The cost of SR-22 insurance can be more expensive if you don’t work with a company that can provide you with the best options.

How Long is it Required?

The good news in all of this is that the SR-22 requirement doesn’t last forever. With a clean driving record, the length varies by state, and in some states the offense will also affect the timing. In most states the SR-22 is required for a total of three years. When the clock starts on the time period that your SR22 is required also varies by state. It can begin with the offense date, conviction date, suspension date, or on the date when you reinstated your license.

Make certain you know how long the SR-22 is required because if you cancel your car insurance policy before that time is up, the insurer is required to inform the state and you will be punished by the state if you do not complete their requirement. If you do not complete the requirement, your license and/or registration may be suspended or revoked, and the time period that your SR22 is required to be maintained could start again.

Another bit of good news is the offense that resulted in the SR-22 being required, and that raised your rates, won’t haunt you forever.  When the violation falls off your driving record, your car insurance rates will go down as well.

What if You Move?

Not every state uses an SR-22 certificate of financial responsibility.  The SR-22 filing is not required in:

  • Kentucky
  • Minnesota
  • New Mexico
  • Oklahoma
  • Pennsylvania
  • Delaware
  • New York
  • North Carolina

Of the states that do not use an SR-22, each has its own version of the form and insurance requirements. The requirements are generally the same, but if you have an SR-22 in one state and move to another state, normally you’ll still be required to meet the requirements of the state where the offense was committed and you may need to file another form in that state. You’ll need to look for an out-of-state SR-22 filing from a nationwide auto insurance carrier. We can help.

If you live in a state that doesn’t use SR-22 filings but are mandated to carry an SR-22 in another state, normally you’ll be unable to obtain an SR-22. If this is true for you, you’ll need to work with the requesting state to get permission to provide, in lieu of an SR-22, a certified document that shows that your car insurance policy meets or exceeds the limits you are required to carry.

How to Buy High Risk Insurance

Not all companies are prepared to provide high risk insurance and are not able to file an SR-22 certificate. There are also many companies that may not want to insure a driver with a major infraction on their record. It is important to compare car insurance quotes and select a car insurance company, or to work with a company that does the comparisons for you like Action Insurance Agency. Once you select a company, they will file the SR-22 certificate on your behalf. If you don’t own a car or have access to one, a non-owner car insurance will satisfy SR-22 requirements and save you a significant amount of money.

When you have your proof of insurance your car insurance company you will file an SR-22 or other required state filing on your behalf if you need it. For SR-22s, the carriers we work with are many. Not all insurance companies we work with are able to do business in all states. We can help you find the best policy for your situation that will save you the most money.

If your driver’s license has been suspended, your state’s department of motor vehicles may require you to obtain an SR-22 document, also known as a certificate of financial responsibility. An SR-22 verifies the purchase of vehicle insurance coverage required by the state for reinstatement of driving privileges.

Reasons for an SR22

The requirements to carry an SR-22 form are usually associated with:

  • Multiple traffic offenses
  • DUIs, DWIs, or other serious moving violations
  • License suspension or revocation
  • Violations for failure to maintain the mandatory insurance coverage required in your state.

If you are required to get an SR-22, the traffic court that handled your case or the department of motor vehicles will let you know by mail. The insurance company will charge a fee for providing an SR-22 certificate on your behalf. The amount of the fee may differ by state but it is pretty minimal when compared with the effect that it will have on your premium. Additional fees may be charged by the state in some areas.

SR-22 Terms

Terms and requirements vary by state, but generally, you must retain both the SR-22 and your insurance policy for approximately three years. If you let your insurance policy lapse during this time, your insurer is required by law to notify the department of motor vehicles office. In this instance, your license will be suspended until your insurance has been reinstated. Once you have met your SR-22 obligations for the amount of time required by the state, your SR-22 status will then be removed.

Contact Action Insurance Agency for more SR-22 information, and to determine the SR-22 and liability insurance requirements for you. Our company was set up specifically to understand the best coverages for high risk drivers and to help those in this situation to save the most money. The agents at our company can assist you in obtaining insurance and the SR-22 certificate through the best options that are available for you.

If you are searching for SR22 Insurance in Sun Prairie, WI, choose the company that specializes in it. Contact a friendly Action Insurance Agency agent today!