Frequently Asked Questions About SR22 Insurance in Missouri
When it comes to SR22 insurance in Missouri, there are several common questions that arise. This article aims to address these frequently asked questions and provide the necessary information about SR22 insurance in Missouri.
What is SR22 insurance?
SR22 insurance is not a type of insurance but rather a certificate that your insurance company files with the state to confirm that you have the minimum liability coverage required by law. It is a form used to verify that you are carrying the necessary insurance coverage after being involved in certain types of driving incidents.
When is an SR22 required in Missouri?
In Missouri, an SR22 is typically required for individuals who have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI). It may also be required for those who have been caught driving without insurance, have accumulated excessive points on their driving record, or have been involved in a serious at-fault accident.
How long is an SR22 required in Missouri?
The length of time an SR22 is required in Missouri can vary depending on the offense. In most cases, it is required for a minimum of two years. However, if there are multiple offenses or a suspended license, the period may be longer. It is important to maintain continuous coverage during this time to avoid license suspension or further penalties.
How much does SR22 insurance cost in Missouri?
The cost of SR22 insurance in Missouri can vary depending on several factors, such as your driving record, age, location, and the type of coverage you need. Generally, insurers charge a filing fee of around $25 to $50 to process and file the SR22 form. Additionally, individuals with a history of driving violations can expect higher insurance premiums.
Can I get SR22 insurance without a car?
Yes, if you do not own a vehicle but still need an SR22, you can obtain non-owner SR22 insurance in Missouri. This type of insurance provides coverage when driving a borrowed or rented vehicle. It is important to note that non-owner SR22 insurance does not provide coverage for a vehicle you own.
How to obtain SR22 insurance in Missouri?
To obtain SR22 insurance in Missouri, you will need to contact an insurance company and request a policy that complies with the state’s SR22 requirements. Not all insurance companies offer SR22 filings, so you may need to shop around and compare quotes. Once you have chosen an insurer, they will file the necessary paperwork on your behalf.
In conclusion, SR22 insurance in Missouri is required for individuals who have committed certain driving offenses or violations. It serves as proof of financial responsibility and must be maintained for a specific period. The cost of SR22 insurance varies based on several factors, and it is essential to obtain continuous coverage to avoid further penalties or license suspension. Whether you own a car or not, you can still obtain SR22 insurance in Missouri by opting for non-owner SR22 insurance.
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