Indiana SR-22 rates are determined by auto insurance providers for drivers who are required to carry this type of coverage by the state Bureau of Motor Vehicles (BMV). “Who needs SR22 insurance?” is question you may be asking yourself. How to get sr22 insurance is primarily a concern for hig-risk motorists who have had their driving privileges taken away. The need for SR22 often comes after a motorist obtains an excessive amount of moving violation citations during a relatively short period of time. Additionally, SR22 insurance is required of those that receive convictions for driving under the influence (DUI) or driving while intoxicated (DWI). Applicable residents must submit an sr22 form to their insurance provider. Once your insurance company receives the sr22 form, they will notify the BMV so that you may have your driving privileges reinstated. Compare SR22 insurance quotes here.
What is SR22 insurance in Indiana?
The sr22 form is a financial responsibility certification that the BMV requires when a motorist meets certain criteria. SR22 in Indiana is assigned to drivers whose personal driving history puts them in a higher risk pool. SR22 coverage helps ensure that others on the road are protected from these high risk motorists who may not have adequate insurance to cover damages from the accidents they cause. Typically, IN SR22 insurance coverage applies to motorists who meet the following criteria:
- Have been convicted of DUI, DWI or other serious moving violations
- Have been responsible for at-fault accidents when not covered by auto insurance
- Have accumulated an excessive amount of many moving violations in a short period of time
- Have had their license revoked or suspended
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How to Get SR22 Coverage in Indiana
Motorists who need SR22 insurance coverage will be notified by a traffic court judge if they meet one of the above mentioned criterion. Once informed of the need for SR22 insurance, drivers must contact their insurance companies as soon as possible to arrange coverage. Motorists must pay a small fee to file the SR22 insurance certificate with their insurance carrier. Not all insurance companies provide SR22 insurance, so motorists required to carry coverage are responsible for finding on that does. Drivers can request SR22 insurance quotes here in the event that their insurance provider does not offer this type of coverage. Once a driver finds an insurance provider that offers SR22, they will need to pay the SR22 rates and any reinstatement fees associated with getting their driver’s license back.
Penalties for Not Having SR22 Insurance in Indiana
Motorists who find themselves required to carry IN SR22 insurance because of DUI or DWI convictions will have to have SR22 coverage for three years. Motorists who drive without filing the SR22 certification will be doing so illegally. Without the SR22 coverage, you will be driving with a suspended license. Getting pulled over for a traffic violation or getting into an accident without SR22 insurance can result in severe consequences such as jail time, exorbitant fines, community service and having your driving license revoked. While SR22 insurance is more expensive than standard coverage, the penalties associated with avoiding paying for SR22 coverage can be much more expensive if a motorist lets his or her policy lapse.
SR22 rates may be mitigated if a driver meets certain criteria. Indiana drivers may receive a discount on their SR22 insurance coverage by demonstrating good grades in school, driving a safe car and maintaining a low amount of mileage on their car.
How to Get SR22 Insurance in Indiana
In order to acquire SR22 insurance, you must first find out which insurance companies offer this type of specialized coverage. Once discovering the insurance carriers that do offer SR22, you may visit their websites and begin entering the requested information. You will receive an SR-22 insurance rate that varies depending a variety of factors such as your demographic information, the make and model of your car, your driving history and your place of residence. To begin, get SR-22 rates here by comparing quotes from a several providers at once.