What
is an SR-22?
It's a piece of paper. It is the way the DMV can track whether or
not you have auto insurance. It's a form issued by an insurance company
to the DMV that is acceptable proof to the DMV that you are insured.
If you don't pay your insurance bill, the insurance company will suspend
your drivers license until you get a new SR-22.
How
do I get an SR-22? By buying an insurance
policy. Any insurance company will issue a SR-22 if you already
have a policy with them. If do not have a policy in force, only
"non-standard" insurance companies will issue a new policy
with an SR filing. For the lowest rates, great service and best
selection, call Avendia Direct Insurance services. 1-800-863-2383
for an office near you.
Where
do I get an SR-22? The best place to
buy an SR-22 is from an Insurance Broker. At Avenida Direct Insurance
we have over 50 programs specializing in giving low rates to people
that need SR-22s. We are not on the radio, TV or have big $10,000
/month yellow page ads and can therefore pass those savings on to
you. We know that you need special treatment during the three years
you are required to file an SR-22 and we provide excellent service
to make sure you have no problems.
What
is Financial Responsibility? This is another way of saying that you have insurance, in some states
they call the SR-22 or SR-1P filing a "FR" filing.
How
much does an SR-22 cost? The price of the SR-22 varies
according to which insurance company you sign up with. Some companies
charge as little as $15 to as much as $40 additional charge with
a new policy. The cost of the SR-22 filing itself is not much, the
cost of the insurance is what you are paying for.
How
long do I need an SR-22? Usually an SR-22 needs to be on
file with the DMV for 3 years and one month past your DUI violation
date.
What
is the difference between an SR-22 and an SR-1P? An SR-22
is what you need to file with the DMV when you get a DUI, DWI, Major
Violation (eg.hit and run), or negligent operator. An SR-1P is the
form that the DMV requires when you get into an accident and do
not have an Insurance policy in force at the time of the accident.
An SR-22 can take the place of an SR-1P, but if you are designated
to have a SR-22, you cannot have a SR-1P instead.
Do
I have to cancel my existing policy? No
you do not. You can get an SR-22 from your present company, you
just have to request it. They cannot turn you down or delay giving
the filing to you, It's the law. The problem with demanding an SR-22
from your existing company is...they will cancel your policy at
the first opportunity to do so. They will not renew you, if you
miss a payment, they will not reinstate you.
Can
I keep my low cost policy and just buy an SR-22? You can
get what is called a non-owner policy from Avenida Direct Insurance
services, We do not notify your present insurance company, we just
get you a filing to make your Drivers license valid. In many instances
your insurance company doesn't run your motor vehicle record every
year or every renewal. We have had quite a few clients go all three
years with a non-owner policy and keep their present low cost policy
with their current carrier.
My
insurance company cancelled me, now what? Getting an SR
filing at Avenida Direct Insurance is affordable. In some cases
people end up buying insurance for less than they are paying without
a filing.
Call for a free quote 1-800-863-2383
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