SR-22 Insurance Quote Forms
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SR-22 Insurance Information
Although SR-22 is commonly referred to as SR-22 insurance, it’s actually not a type of insurance. SR-22 provides official proof that a driver has auto insurance coverage that complies with state laws. In South Carolina, a judge or the state’s licensing agency may require that a driver files an SR-22 form to prove they have the minimum liability insurance.
If you need help filing an SR-22 form or want to learn more about this type of documentation, contact the auto insurance experts at Select Insurance in Anderson, Honea Path and Abbeville, South Carolina.
What is an SR-22?
An SR-22 is an insurance document that shows proof of financial responsibility and verification of auto liability coverage. The DMV may require you to provide an SR-22 in addition to your car insurance if you drive under the influence of a drug or alcohol, drive without proper insurance, are a habitual traffic offender, or are involved in a motor vehicle accident.
Do I Need a South Carolina SR-22 Form?
Not everyone has to file an SR-22 form with the state of South Carolina. But if you receive a notice from the South Carolina Department of Motor Vehicles or a court order requiring you to file an SR-22 form, it’s crucial to contact your insurance company right away.
In South Carolina, drivers convicted of serious traffic violations and those who’ve had their license suspended may be required to prove they have the minimum liability insurance required by the state. You may have to file an SR-22 before getting your license reinstated if it’s currently suspended.
South Carolina Non-Owner SR-22 Form
If you don’t have a car registered in your name but must file an SR-22 form, you may need a non-owners auto insurance policy that conforms to the state’s minimum liability requirements. This policy does not cover damage you cause to the car you drive, so the vehicle owner must have a separate policy to protect their property.
If you don’t plan to drive a car when you are required to file SR-22, consult your agent to learn how to navigate the requirements so you can drive when the requirement is lifted. Your agent can also help you understand non-owner SR-22 requirements, get the right type of insurance policy, and file the form on your behalf.
How does an SR-22 affect you?
An SR-22 must be carried for a designated time period, depending on the severity of your violations. Most offenders can expect to have an SR-22 for up to three years. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. On top of securing adequate insurance, drivers with an SR-22 status should adhere to traffic laws and refrain from driving after alcohol consumption. After the proper fulfillment of this time period, a driver’s SR-22 status will expire, and driving privileges will be restored.
South Carolina SR-22 Auto Liability Insurance Requirements
An SR-22 form proves that your auto insurance policy meets South Carolina’s minimum required limits. You’ll need several coverages, including bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. Talk with your agent to understand South Carolina’s minimum limits and verify that the minimum amount of coverage is enough to meet your needs.
How much does an SR-22 cost?
The cost of premiums varies depending on the severity of your violations. Minor offenses, such as neglecting to pay a parking ticket, are often paired with more affordable policies. However, major offenses, such as drinking under the influence, are more likely to raise your premiums. To get a free quote, call us today for more information on SR-22 insurance.
How to Get SR-22 in South Carolina
Your insurance company can issue your SR-22 form and file it with the state. Call your agent and let them know that you’ve received an order to file SR-22.
Thank your for your interest in Select Insurance LLC. We strive to provide the best advice and customer service throughout South Carolina. Please feel free to call one of our offices to speak with an insurance professional: Anderson - 864-964-0622, Honea Path - 864-369-2662, Abbeville - 864-366-2054 or email your questions and an agent will reply promptly.