Finding the right auto insurance coverage can be difficult, and it can be made even harder if you have a spotty driving record. If you are ordered to carry an SR-22 filing, your car insurance options can be very limited. Knowing what an SR-22 is, and how it will affect your coverage can help to ensure that you have the protection that you deserve. Keep these considerations in mind when it comes time to start looking for coverage.
- An SR-22 is not insurance – many people mistakenly refer to the filing as “SR-22 insurance.” However, it is simply a certificate that your auto insurance company will file with your state to vouch that you have coverage. You will only need to file an SR-22 if you are ordered to by a judge after specific violations, such as a DUI, or a succession of traffic tickets.
- It comes at a price – while the filing fee for SR-22 is just $25, it will also cause your auto insurance rates to increase. You may also have to pay for your car insurance coverage in full for the year when you have an SR-22 filing.
- It is not forever – you do not have to worry about your SR-22 coverage for the rest of your life. Typically, it will only stay on your record for about three years. After your SR-22 filing is taken off your auto insurance policy, make sure to talk with your agent so that your auto insurance costs can be lowered down.
When looking for the right auto insurance policy, no matter if you have an SR-22 filing or not, contact Steve Wilk Insurance Agency in Lombard, Illinois. We will work with you to make sure that you have the coverage that you deserve, no matter your current situation.