Can You Switch Providers While Carrying SR-22?

If you’re a driver with an SR‑22 filing, you may wonder whether you can transfer your coverage to another insurer without jeopardizing your driving privileges. At Select Insurance, we understand that circumstances may evolve and your coverage needs can change with them, even when you’re dealing with high-risk insurance requirements. Here’s what you need to know about switching providers while carrying an SR-22 in South Carolina.

Understanding SR-22 Requirements

An SR-22 is a certificate your insurance company files with the state to prove you carry the minimum required auto liability coverage. South Carolina typically requires an SR-22 after serious driving violations, such as driving under the influence (DUI) or driving without insurance. The state mandates that you maintain continuous coverage for a set period, often three years, without any lapses. If your policy is canceled or expires, your insurer must notify the state, which can result in license suspension.

Is It Possible To Switch Insurance Providers?

Drivers can switch insurance companies while an SR-22 is on file. However, there are important steps to follow to avoid coverage gaps:

• Secure a new policy with a provider that offers SR-22 filings before canceling your current policy.
• Confirm that your new insurer files your SR-22 with the South Carolina Department of Motor Vehicles (DMV) immediately.
• Confirm with both insurers and the DMV that your SR-22 status remains active and uninterrupted.

Potential Challenges When Switching

Switching providers with an SR-22 can present some challenges, such as the following:

• Not all insurers offer SR-22 filings, so your options may be limited.
• Rates for high-risk drivers can vary, so it’s important to compare coverage and costs.
• Any lapse in coverage, even for a day, can reset your SR-22 requirement period and lead to license suspension.

We’re Here to Help

At Select Insurance, we’re ready to guide South Carolina drivers in navigating the complexities of SR-22 insurance. If you’re considering switching providers while carrying an SR-22, contact us today to speak with our team.

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.