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SR-22 filing sometimes referred to as SR-22 Insurance in Iowa can be confusing and stressful to deal with so be sure to discuss with us the questions you have.
What is an SR-22?
An SR-22 is not actually insurance, but rather a document that shows proof of financial responsibility and verification of auto liability coverage for risky drivers. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence (dui) of a drug or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.
It is also a way to verify insurance with the minimum liability coverage limits for drivers who have been ordered to obtain this by a judge.
How much does an SR-22 cost?
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence (dui), are more likely to raise your premiums. There is typically a reasonable fee charged for filing and rates may be a bit higher and/or you may be required to pay your policy in full, be sure to ask one of our agents. To get a free quote, call us today at 515-964-2927 for more information on SR-22 insurance.
How does an SR-22 affect you?
Also, keep in mind that an SR-22 filing in Iowa is for a period of time, typically no more than 3 years and can be removed after the specified time. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.
Why do I have to have an SR-22?
Every state has it's own requirements for SR-22 filing but common reasons include:
- DUI or DWI
- Too many points or tickets on your record
- At fault accidents while driving with no insurance
- To get reinstated if your license is suspended or revoked
We understand the situation that has lead to you needing an SR-22 is stressful enough to deal with and we strive to make this necessary process as smooth for you as possible! Give our insurance specialists a call today at 515-964-2927 to discuss your needs.
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