SR 22 insurance is car insurance that some drivers are required to purchase if they are ever ticketed for a traffic violation such as reckless driving or for driving under the influence. This type of auto insurance is proof that you have at least the basic amount of auto insurance coverage in case you are ever in an accident. SR 22 insurance consists of three different types of certificates that offer different coverage. The operator’s certificate covers the driver of a vehicle if they are driving a vehicle that is owned by someone else. An owner’s certificate offers coverage to the vehicles owned by the driver but the type of vehicle must be listed on the policy. An operators-owners certificate policy covers every vehicle that is or is not owned by the driver.
Neither filing nor finding affordable SR 22 insurance is easy on any driver. Once you are in a position to file for SR 22 insurance, providers see you as high risk because of the type of traffic violation you committed and your premiums will be higher for the type of coverage you need. When shopping for an affordable SR 22 insurance policy, be persistent and through. Comparing and reviewing rates and policies from as many insurance providers as you can will only benefit you. Making sure you have the appropriate coverage is important and you want to be sure your coverage is affordable. If you need assistance, contact an auto insurance agent and they can help you find the affordable policy you need.
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