Non-standard Auto Insurance for SR-22: What You Need to Know

Understanding non-standard auto insurance for SR-22 is crucial for specific drivers in South Carolina. At Select Insurance, located in Anderson, SC, we’re dedicated to providing detailed insights and assistance for your SR-22 insurance needs. Our team is ready to assist if you must file an SR-22 form or need more information about this certification.

What Is SR-22?

An SR-22 is a certification filed by your insurance company with the state. It’s typically required in situations such as serious traffic violations like DUIs, reckless driving or driving without insurance. It may also be necessary to reinstate a suspended or revoked license, especially following an uninsured auto accident.

In South Carolina, the auto insurance requirements mandate that drivers carry certain types of insurance coverage. This includes liability insurance, which may help cover third-party accident-related costs if you are responsible for an accident-causing injury or property damage. The state’s minimum liability requirements are typically what the SR-22 seeks to verify. However, simply meeting these minimums may guarantee adequate coverage, depending on your circumstances.

If you have a lease or finance your vehicle, your lienholder typically requires comprehensive and collision coverage, which increases your insurance costs. Your agent can help you meet the state and your lienholder’s requirements when filing SR-22.

What Is Non-standard Insurance?

Non-standard insurance is a category of insurance coverage designed for drivers who are considered high risk. This can include individuals with a history of traffic violations, accidents, DUIs or poor credit.

Non-standard insurance often comes with higher premiums than standard policies due to the increased risk of insuring these drivers. It may also offer terms and conditions less favorable than standard insurance policies.

Not all drivers needing non-standard insurance must file SR-22 with the state. If you must file SR-22, you will receive notice from a judge or the South Carolina Department of Motor Vehicles.

How Can You Get Favorable Non-standard Insurance Rates?

It’s important to shop around and compare quotes from different providers to find a plan that balances cost and coverage. Maintaining continuous coverage is vital to comply with SR-22 requirements, as any lapse in insurance can lead to further legal and financial complications.

Contact Us

Dealing with SR-22 insurance requirements in South Carolina can be manageable with the right knowledge and assistance. At Select Insurance, we specialize in helping you navigate the complexities of SR-22 and non-standard auto insurance. Contact us for a personalized insurance quote and expert advice to ensure your auto insurance aligns with state requirements and your individual needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.