Reader question:

So, how do you buy SR 22 car insurance?

Mytai

Thank you for asking, Mytai.

You buy SR 22 car insurance in much the same way that you buy any other type of car insurance coverage. The only difference here is that it is much more difficult to get good rates on SR 22 car insurance than on other types because you start at a higher rate, and it is also harder to find a car insurance company that provides SR 22 car insurance coverage.

First, you need to determine the kind of coverage that you will need. As the holder of SR 22 car insurance, you will want to make this as little an amount as possible. You will probably be extra careful because of the SR 22, so you shouldn’t have to worry about collision coverage. Just go with the state required minimum. Make sure you get a decent amount of coverage in the liability area.

If you are unable to find a company that will issue you SR22 car insurance coverage, then you can join the state’s assigned risk insurance pool. This pool allows you to get car insurance coverage with all of the usual companies even if they had denied you before, but it requires you to pay very high premiums, which will make having SR 22 car insurance even worse. If it is avoidable at all, then avoid it.

Cheers,

Fashun Guadarrama.

Reader question:

What are the requirements for Oregon SR22 filing?

Juanita

Thank you for asking, Juanita.

Oregon SR22 filing is required whenever you are convicted for drunk driving or for driving without car insurance or financial responsibility. You will be required to do SR22 filing with your car insurance company for three years and thirty three days after the initial requirement is mandated on you, or for a total period of thirty seven months. Here are some other reasons that you might have to do Oregon Sr22 filing on your car insurance:

• You were driving while uninsured and got into a car accident.
• You were caught driving without car insurance coverage that is required by state law.
• The department of motor vehicles requested that you provide them with proof that you have auto insurance liability coverage, and you could not do so.
• You are trying to get a hardship driver’s permit.
• After you get your license back after you have been convicted of a DUI.

If any of these reason requires you do to SR22 filing for proof of insurance, the SR-22 form is the only kind of proof that is accepted, and it has to come straight from your car insurance company. You are not able to simply provide your car insurance card as proof of coverage.

Once you are required to get SR-22 filing on your car insurance, you have a month to get this special type of coverage. That does not mean that you can go a month without car insurance coverage period, only that until you are able to file the SR-22 form you should avoid driving.

Cheers,

Fashun Guadarrama.

Reader question:

What are the laws concerning South Carolina SR-22 form and DUI laws?

Aaron

Thanks for asking, Aaron.

In South Carolina, when you go to get a driver’s license, as soon as you sign that form you have given what is called implied consent. That is to say, you should be aware what the consequences are for driving under the influence of alcohol or drugs, so by signing on to get a driver’s license you are essentially consenting to a test should you be pulled over under the suspicion of driving under the influence of alcohol or drugs. The police in South Carolina also reserve the right to videotape your blood alcohol level test to use against you in your DUI conviction court.

If you get a South Carolina SR22 form, you will have to file it for as much as three years after the date that you first were convicted of drunk driving. This will wreak havoc on your car insurance premium, and you will see your previous car insurance premium increase by twice or three times as much. You may even have to go with a new company because many car insurance companies in South Carolina do not insure high risk drivers like those who are required to file the South Carolina SR-22 form. Along with having to pay extra for South Carolina SR-22 auto insurance, you will also have to attend a group that will help you with your drinking problem, regardless of whether this drinking occurence was a one time offense.

Cheers,

Fashun Guadarrama.

Reader question:

How long do I have to have SR22 filing for?

Leah

Thank you for asking, Leah.

The answer to your question depends on which state you are coming from. While most states have very similar laws concerning the SR22 filing period, some differ from others. For example, in Texas the period of SR22 filing is only two years, whereas in most other states that period is longer, around three to five years for a drunk driving or speeding offense.

The amount of time that you have to do SR22 filing also depends a lot on how many times you have committed the offense. If you commit it a second time, then you are going to get much harsher punishments than you would have if you had only done it once. Normally, committing the offense for a second time extends the period of SR22 filing by a couple of years, and then for a third time it doubles that new one. Every time it happens you have to do SR22 filing for longer, until you are no longer able to have a license at all.

One thing that I should mention is that the period during which your license is suspended counts towards the amount of time that you have to have SR22 car insurance coverage. So if your license is suspended for three months, once you get it reinstated, you will only have to pay for SR22 filing for your car insurance coverage for a year and nine months in th state of Texas.

Cheers,

Fashun Guadarrama.

Reader question:

I have to do SR22 filing in Dallas and the car insurance company that I’ve been with for years doesn’t do SR22 filing policies. Can I keep my policy with them and then get an SR22 car insurance policy with another company?

Brook

Great question, Brook.

Unfortunately, that is not an option. You see, SR22 filing doesn’t mean that you’re getting this whole new type of insurance. There is actually no new change to your coverage, the only change is the larger penalty you will be hit with if you allow that coverage to lap. While it is possible to keep your auto insurance with one company while doing an SR22 filing with another, it does not make a lot of sense. You would basically be paying for two car insurance policies. If you want to get cheap SR22 filing, then that is the wrong road to go down.

It can be frustrating to lose your history with a certain car insurance company since you have been a policy holder with them so long. They might be a company that you really like and you might get certain benefits for being a long time customer. However, if you shop around thoroughly enough you can find another company that is just as good. The only way that you should consider holding two policies at once is if you have plenty of money to dispose of.

Cheers,

Fashun Guadarrama.

As this video states, while having bad credit doesn’t exactly ruin your chances of getting cheap SR 22 car insurance, it does make it more unlikely. There are several factors that factor into the car insurance premium that you pay in the end, such as your driving record and your age and the type of car your drive, but over the past few years, your credit report has been playing a bigger and bigger role. The car insurance score that is seen from your credit report is gotten in a different way from your credit score, in that paying on time is emphasized more than not having maxed out credit cards and not having a long credit history.

There is some debate as to whether or not using the credit report to determine how much to charge someone for their SR 22 car insurance premium is ethical, but so far the car insurance companies are winning out. According to statistics, they say, people with bad credit tend to get into more collisions and file more claims than people who have good credit. Because of this, those with bad credit belong to a higher risk group.

For many people, finding this out is just a ‘the more you know’ sort of thing, because there isn’t much that they can do about their credit, at least in the short run. However, if your credit report is getting in the way of you getting reasonable car insurance rates on your Dallas SR 22 car insurance, then it makes sense to order your reports from each credit union and make sure that everything on there has a reason to be there and try to start working on diminishing your debt.

Reader question:

I’m a student and I got convicted for a DUI. Now that I have my license back, I’m supposed to file Texas SR-22 car insurance for two years. I hear it’s really expensive. Is there any way that I can get it to be cheaper?

George

Thank you for your question, George.

When you’re young, car insurance costs are often very high, especially while you are a college student and it is harder than usual to afford the Texas SR-22 car insurance rates. These high premiums might have you eating ramen more often than usual if you don’t step up and do everything that you can to get them to be lower. Lucky for you, being in Texas you only have to file SR-22 car insurance for two years, whereas in most places it’s between three and five years.

Over the next two years, though, I would pay close attention to my grades if I were you. The reason I say this is because the greatest car insurance discount you can get as a student is the good student discount, which most companies offer and which awards students who have a B average or above or a 3.5 GPA or above with a car insurance discount. I applied this to my own car insurance premium and receive fifteen percent off. When you are paying so much for Texas Sr-22 car insurance, such a discount can save a lot.

Cheers,

Fashun Guadarrama.

Reader question:

Is it cheaper to do SR22 filing when you’re married?

Ramone

Thanks for asking.

That all depends on who you are married to. It is usually the case that married couples pay less for car insurance than do non married couples, and this is also true when SR22 filing is involved. The main reason for this is that being married is seen as being responsible and married people file fewer claims than unmarried people, so car insurance companies charge them less. It also tends to be because when you get married, you join together your car insurance policy, and so you go from a one name one car policy to a multiple policy, which tend to cost less. In a marriage, the person that usually benefits the most from lower car insurance rates is the male, because guys tend to pay more for their car insurance, an amount which is tempered when married.

However, this does not always apply. It is much the same when you have great credit and you marry someone with terrible credit, and then you try to apply for a house together. You might have less luck than if you had applied alone. It goes the same way if you marry and join car insurance policies with someone who has a very bad driving record. If your spouse has a good driving record, then you might benefit from that some by having to pay less for your SR22 filing. However, if your spouse has a bad driving record, then it will just cost more.

Cheers,

Fashun Guadarrama.

Reader question:

For how long are you required to have SR 22 filing done?

Adam

Excellent question, Adam.

The truth is that the necessity and length of the SR 22 filing process depends on a number of factors. The SR 22 filing requirement is one that comes after you have been convicted for something such as driving while intoxicated, driving under the influence of mind altering drugs (which also comes with even heavier penalties, along with the drunk driving), and driving without proof of financial responsibility; the requirement becomes even more strict when any of these actions result in a car accident. If you are simply caught from being pulled over by a police officer, then the requirements are less strict.

The first factor that affects how long you have to do SR 22 filing is your possession of a license. Normally, if you are required to file an SR 22 form, then you must first have had your driver’s license suspended. Sometimes the suspension lasts for a certain amount of time before you are able to reinstate it with SR 22 auto insurance coverage proof. Other times, it is only suspended until you pay a fee (which varies from state to state) and provide the DMV with your SR 22 form. The key to all of this is that the period during which you are required to do SR 22 filing applies whether or not you have a driver’s license. Theoretically, you could simply choose to take the bus for three years after your license was first suspended before reinstating it. If you did this, then you would never have to pay for expensive SR 22 auto insurance coverage.

The other factor that affects your SR 22 filing requirement is the number of times you have committed the offense in question. For example, if this is your second time getting thrown in jail for driving while intoxicated, then the amount of time you have to file an SR 22 form lengthens considerably. The normal amount for most first time cases is three years. For drunk driving, though, it is five years in most states. The second time you are caught drunk driving, that number of years doubles to ten years. The third time, it doubles again, to twenty years.

Cheers.

Fashun Guadarrama.