You may have never heard of the term SR22 before unless you have also had some issues with the legal system. SR22 Insurance in Verona, WI is another term for insurance coverage for high risk drivers. Drivers with legal issues that are eager to get back on the road need to understand exactly what an SR22 certificate is and how it can help them.

If you are required to get an SR22, you can expect to pay more for your car insurance than you otherwise would. It is important to understand that not all insurance providers penalize you equally, so at Action Insurance we compare options for you so that we can ensure the best possible price. The good news is that if you keep your driving record clear of violations going forward, your risk to be insured will lower and you will not pay a penalty forever. Keep your record clean and stay insured and you could be paying standard rates again in just a few years.

What is an SR22?

An SR22 certification is a form that must be filed with the state if you are considered in need of high risk insurance. It’s not a type of insurance. An SR22 certificate of financial responsibility verifies that the named individual is carrying at least the state-mandated amount of car insurance for their specific situation. This form also identifies the insurance company which is guaranteeing to the state that you’re maintaining coverage and are financially responsible for any accidents. The insurance company is also obligated to let the state know if you do not maintain the proper level of coverage.

Where To Get an SR22

The only way to obtain an SR22 form is from a car insurance company as a part of  purchasing a car insurance policy. You cannot obtain an SR22 without an insurance policy. If you have an existing auto policy, you may be able to have an SR22 added on and filed with the state. If your insurance company doesn’t file the form, or you’re uninsured, you’ll need to apply for a new insurance policy. If you have any questions about this process the experienced team at Action Insurance Agency is here to help.

What are the Fees?

In most states, a small filing fee is required when an SR22 is first filed. The good news is that there is usually no fee to renew an SR22 unless you have allowed your policy to lapse. An SR22 is filed for a specific driver, so if there are additional drivers on your policy, you will need to complete and file an SR22 for each driver.

How Long is it Valid?

As long as you pay the required premium and keep your insurance policy active, the SR22 will remain in effect until the requirements for your state have been met. That being said, each state has varying requirements for the length of time that an SR22 must be in place. If your policy is canceled while you are still required to carry an SR22, your insurer is required to notify the state, which can result in a suspension of your driving privileges. Your insurance company will provide the state with advance notice before canceling your coverage. If you file your SR22, or any other insurance company, we are required to file an SR26 with the state indicating that your policy is no longer in effect if you do not maintain your financial responsibility.

About Verona, WI

Verona, Wisconsin was originally inhabited by Native Americans until it was ceded to the U.S. government, during the years of 1829 through 1832. The first grist mill in the county was finished in 1844 and settlement of the area revolved around the construction of the mill that was named Badger Mill. A few years later the mill was sold to a man named Samuel Taylor who expanded the mill to include a store and a post office. Soon after the Badger Mill expansion other businesses opened in the area.

It is well known that Verona is referred to as “Hometown U.S.A.” This came to be in 1966 by a detachment of fighting men in Vietnam who adopted Verona as “the perfect example of Hometown U.S.A.” Because of this, every June the city celebrates this during an event called “Hometown Days” which attracts residents and visitors of all ages.

In February of 1847 the Town of Verona was officially established by the Wisconsin Territorial Legislature. The hometown of early settlers George and William Vroman was Verona, New York which is where the name Verona came about. The Village of Verona was created in January of 1921 by an application for incorporation and a referendum election.

In early 1976 the village feared that it would become a district of the larger city of Madison and the residents of Verona desired to remain independent. This caused the Village President, Burr Weiland to discuss converting to a city and act on it before the Village Board. When all preparations were complete, the city of Verona was officially established in April of 1978.

The City of Verona is a vibrant, growing community with a great balance of recreational, cultural, and business amenities.  The residents of Verona, Wisconsin enjoy a high quality of life, excellent schools, and the small-town feel of the official Hometown U.S.A.

Why SR22?

Many associate the need for an SR22 only with drivers who have received a DUI. If this is the case for you, an SR22 may be required and if you need help determining the right policy Action Insurance Agency is here to help. Depending on where you live, the SR22 can be required for several other reasons.

An SR22 is often required due to the following the following:

  • Being involved in an accident without current insurance coverage
  • DUI or DWI or other major alcohol violation conviction(s)
  • Serious moving violation convictions such as reckless or negligent driving
  • A requirement for you to obtain a hardship or probationary license
  • Receiving several traffic offenses in a short time period
  • Being cited for not carrying car insurance on your registered vehicle
  • Driving without insurance conviction
  • As a requirement to reinstate your driver’s license after a suspension or revocation

When your license has been suspended or revoked, meeting the SR22 requirement can help you get your license and/or registration reinstated and get you back on the road. The state or the court will notify you when it becomes a specific requirement for you. The notification will usually inform you why the SR22 is required, the insurance requirements, and the length of time the SR22 form must stay on file with the state.

Non-Owner SR22 Insurance

If you want to save money, you might want to look in to getting non-owner car insurance with an SR22. If you need a SR22 and your current insurance provider doesn’t offer it, then sometimes you can buy a SR22 non-owner policy with Action Insurance Agency. In this scenario your original policy would be considered your primary and your SR22 policy would allow you to get your required SR22 filed with the state, but without switching your primary insurer. This coverage is not considered duplicate coverage because your non-owner policy would not cover any vehicles since as it comes with an exclusion for any owned autos and autos regularly used and thus is not duplicate coverage.  The SR22 car insurance provider would require you to buy the same limits of liability that are on your primary policy.

If you have a primary insurance provider that you don’t want to lose due to your need for an SR22, because you have bundled coverage or other reasons, buying a separate non-owner policy to comply with the SR22 requirement can be a smart move. Often it can make sense to change insurance companies altogether depending on your specific situation. We will give you an honest assessment if you’ll give us the opportunity!

SR22 Cost?

When you require an SR22 most insurance companies charge a one-time filing fee which is generally all that the SR22 will cost you. However, where the violation tends to hit you in the wallet is how the violation that caused your SR22 requirement affects your premium. In short, it’s the infraction, not the SR22, that will hike up your rates. Your rate will jump by a nationwide average of 89 percent for an SR22 filing with one DUI. This can amount to around $1,300 per year. But don’t fret just yet. Action Insurance Agency keeps up to speed on the insurance companies that offer the lowest penalties for this type of filing. We work for you to find you the best rates if you get into this situation.

If your violation is serious you can expect your car insurance rates to go up significantly. That doesn’t mean you can’t shop around. As a matter of fact, the rates for drivers with this status can vary by thousands of dollars depending on the company that you choose to help you. The cost of SR22 insurance can be more expensive if you don’t shop around and it can be tedious and time consuming. That’s why Action Insurance Agency does all of the legwork for you to give you the best options to select from.

If you require an SR22, we will be sure you only look at policies that already carry the appropriate amount of coverage to comply with the state’s mandated insurance requirements. When these requirements go up because of this filing, your premiums will increase along with it.

Some states may require for you to pay for your policy in full when your car insurance policy includes an SR22 filing. For what is required with SR22 insurance in Verona, WI, give us a call or contact us through our contact form here.

What if You Move Out of State?

Not every state uses an SR22 certificate of financial responsibility.  The SR22 filing is not used in:

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

In the states that don’t use an SR22, each state has its own version of the form and insurance requirements. If you have an SR22 in one state and move to another state, in most cases you’ll still be required to meet the requirements of the SR22 state where the offense was committed. That means you’ll need to look for an out-of-state SR22 filing from a nationwide auto insurance carrier.

If you live in a state that doesn’t use SR22 filings but are mandated to carry an SR22 in another state, normally you’ll be unable to obtain an SR22. In this situation, you’ll need to work with the requesting state to get permission to provide, instead of an SR22, certified documentation showing that your car insurance policy meets or exceeds the limits you’re being required to carry. Action Insurance Agency can help you through this process if you plan to move.

How long is an SR22 required?

The good news in all of this is that the SR22 requirement doesn’t last forever. Depending on your specific offence, it will only be required from one to five years. The length varies by state. In some states the length of time will be related to the seriousness of the offense. More commonly, a SR22 is required for three years. When the clock actually starts on the time you are required to carry it also varies by state. Depending on your state, it may begin with the offense date, conviction date, suspension date or the date when you reinstated your license.

It is important to ensure you know how long the SR22 is required because if you cancel your car insurance policy before that time is up the insurer is required to inform the state and when that occurs there are penalties. Your license and/or registration may be suspended or revoked and the clock could start again on how long the SR22 must be maintained.

Another bit of good news is the offense that resulted in the SR22 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.

How to Buy an SR22 Policy

Not all insurance companies will file an SR22 certificate and many companies may not want to insure a driver with a major infraction on his or her record. At Action Insurance Agency this is our specialty. Once you select one of the providers that is best for you, we will file the SR22 certificate on your behalf.

If you don’t own a car or have access to one, we can also provide you with a non-owner car insurance that will satisfy SR22 requirements. When you work with us we are able to provide you with proof of insurance almost immediately, and we ensure that your SR22 or other required state filing is filed on your behalf when needed.

Lower the Cost of SR22 Insurance

One of the easiest ways to reduce the overall cost of high-risk insurance is for high-risk drivers to insure a used vehicle which does not require physical damage coverage. Keeping your car insurance coverage to a minimal amount will save you lots of money up until you get out of the high-risk tier. If you are driving a brand new car it might make sense to reward yourself again with a new car after your SR22 requirement has passed. It’s not uncommon for someone with a recent DUI or multiple traffic violations to sell their car and downgrade to make driving somewhat affordable. Once the violations have dropped off your driving record it becomes easier to afford a newer vehicle again.

Another option that will save you a lot of money is purchasing a non-owner insurance policy. Of course, as the name implies, you will not be able to own a car while you have this policy. But it is a much cheaper alternative to traditional SR22 coverage and can help you get back on your financial feet much faster by changing the way you get from place to place for a short period of time.

Action Insurance Agency is a team of experts specifically trained and versed in providing SR22 Insurance in Verona, WI. Contact us today and we can get you set up while saving you money!