First of all what is SR-22?
Simply put an SR-22 is a statement of responsibility. It is a certificate that shows that the individual bearing it meets the mandatory minimum state issued value for car insurance.
Who needs the SR-22 and why?
A driver needs the SR-22 only when they have had their license withdrawn.
Listed below are some situations that make it necessary to acquire an SR-22 Certificate in Virginia Beach;
- Conviction of a DUI or DWI or any other significant alcohol violation
- Careless driving resulting in grave injuries.
- Multiple traffic violations within a brief period.
- Driving without an insurance cover.
An SR-22 certificate cannot be filed by an individual. This is because only car insurance companies are mandated with this responsibility. However you can only get an SR-22 certificate from an insurance provider if you have purchased auto insurance coverage from the provider.
There are 3 types of SR-22 certifications.
- Operator/Non-Owner: An operator is for drivers who do not own the car. It protects the policyholder, not the vehicle.
- Owner: For those who who own and drive their own cars.
- Operator/Owner: For those who own their car but also rent and borrow.
How much is it going to cost you?
Car insurance companies charge a onetime filing fee. With Hamptons Road Insurance, you are assured that every time you file for an SR-22 insurance you will only have to part with $ 15. Some companies charge up to $25.
Getting an SR-22 might raise your car premiums please enquire beforehand but once the driving violation is expunged from your records your premiums will go down.
How long do you need to have the SR-22?
Depending on the offense that necessitates the SR-22, you will need the SR-22 for one to three years.
Your SR-22 remains valid as long as your insurance policy is active. If you cancel your insurance your SR 22 ends.