{"id":1342,"date":"2024-11-15T21:25:00","date_gmt":"2024-11-15T21:25:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1342"},"modified":"2024-11-15T21:25:30","modified_gmt":"2024-11-15T21:25:30","slug":"common-misconceptions-about-sr22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-tips\/common-misconceptions-about-sr22-insurance\/","title":{"rendered":"Common Misconceptions About SR-22 Insurance Debunked\u00a0"},"content":{"rendered":"
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If you\u2019ve been convicted of a driving-related charge that requires you to file an SR-22, you probably want to learn everything you can about this new requirement. However, there are tons of misconceptions about SR-22 insurance floating around, and it can be hard to separate the facts from fiction while looking for an <\/span>SR-22 policy quote<\/span><\/a>. To make sure you have your facts straight, start by taking a look at some of the most common myths about SR-22 insurance.<\/span>\u00a0<\/span><\/p>\n

Navigating the SR-22 Insurance Landscape<\/span><\/b>\u00a0<\/span><\/h2>\n

After getting convicted of a DUI or DWI, you\u2019ll likely have to deal with something called SR-22 coverage. For a certain period of time after your conviction, the government will classify you as a high-risk driver and require you to file a special form, known as an SR-22, to confirm that you have coverage. You typically <\/span>need an SR-22 to reinstate your license<\/span><\/a>. But how exactly does it work?<\/span>\u00a0<\/span><\/p>\n

Debunking Top SR-22 Myths<\/span><\/b>\u00a0<\/span><\/h2>\n

Ready to start clearing up SR-22 confusion? The following are the five most common misconceptions related to filing a certificate of financial responsibility.<\/span>\u00a0<\/span><\/p>\n

Myth 1: SR-22 Is a Separate Insurance Policy<\/span><\/b>\u00a0<\/span><\/h3>\n

Because of the term \u201cSR-22 insurance,\u201d you may think that filing an SR-22 involves signing up for an extra auto plan. However, \u201cSR-22\u201d is simply the name of a form. You file this form to verify with the government that your auto policy meets the minimum liability requirements in your state.<\/span>\u00a0<\/span><\/p>\n

Therefore, you don\u2019t need to get a separate plan if the court orders you to submit a certificate of financial responsibility. You do, however, need to ensure you have sufficient coverage. You\u2019ll also need to inform your insurer of your legal situation so they can file the form.<\/span>\u00a0<\/span><\/p>\n

Myth 2: Owning a Vehicle Is Required for SR-22<\/span><\/b>\u00a0<\/span><\/h3>\n

You may think that if you don\u2019t have a car, you don\u2019t need proof of coverage. But even if you\u2019re driving someone else\u2019s car, you\u2019ll still need your own personal insurance.<\/span>\u00a0<\/span><\/p>\n

In that case, you\u2019ll have to set up a non-owner\u2019s policy that isn\u2019t specific to a single vehicle. This is to make sure you have coverage if you ever get into an accident while renting a vehicle or borrowing someone else\u2019s car. Non-owner\u2019s policies are typically cheaper than other SR-22 policies, making them an affordable option if you don\u2019t own a vehicle but still plan to drive at any time.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n

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