SR-22 Insurance Quote Forms
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SR-22 Insurance Information
In Iowa, if you commit an offense like driving while intoxicated or driving without insurance, then the authorities can force you to enroll in an SR-22 insurance policy. It is the SR-22 that will guarantee that you have auto insurance in place to protect you and others from the risks you pose behind the wheel.
If you have an SR-22 penalty, then let the expert team at The Insurance Specialists, Inc. help you find the auto insurance solutions to get you back on the road. We’ll make sure your coverage complies with all your SR-22 requirements so that you can return to the road without a big hassle.
Our Auto Insurance Options
As one of greater Des Moines premier independent insurance agencies, The Insurance Specialists, Inc. has spent decades helping countless Iowans design personalized auto insurance policies. We are committed to providing every driver with the best possible auto insurance solutions, and drivers with SR-22 requirements are no exception.
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Common SR-22 Questions
There is no such thing as an SR-22 insurance policy, exactly. An SR-22 is actually a certificate that you obtain from your insurer which verifies that you have active car insurance in place.
Not every driver has to have an SR-22 certificate attached to their auto insurance policy. Instead, this is a penalty imposed on high-risk drivers who have committed serious traffic offenses. These might include things like:
- Driving intoxicated (OWI)
- Driving without insurance
- Causing serious accidents
- Being a habitual traffic offender
Because you have committed infractions like these, you will likely have to prove to the authorities that you have car insurance, and the SR-22 will help you do so.
After you commit a qualifying driving infraction you will have to call your insurance agency to file for the SR-22 certificate and pay the requisite fees. The agency will attach the certificate to your auto policy, then file it with the Iowa DOT.
Once the certificate is on file and you have paid any other requisite penalties, you can resume driving. However, if you ever let your auto insurance policy lapse, then your insurer will immediately notify the state. As a result, the state will suspend your driving privileges. An SR-22 certificate essentially acts as something like an alarm system.
If you commit a significant traffic offense, then an SR-22 might be the only way that you can continue to drive. Therefore, if you receive this penalty, you need to file for this certificate unless you want to give up driving.
Most drivers are required to carry the SR-22 certificate for a period of about three years. During this time, you should avoid committing further traffic offenses. If you fail, then you might face significant penalties, including a requirement to re-start the SR-22 period from the beginning.
Drivers who receive an SR-22 requirement usually will have to pay certain fees as imposed by the state as part of the penalty. Additionally, some insurers charge a nominal filing fee to process and file the certificate on your behalf.
It is also not uncommon to see your auto insurance premium rise for the duration of this penalty. Because you have committed significant driving offenses, you will likely appear as a high-risk customer to most insurers. Many will have to raise your rates as a result. Some will even refuse to cover you, and you will have to buy a new policy before you can file the SR-22.
If you do not own a car yourself, but receive an SR-22 requirement, then you might be able to buy a named operator car insurance policy to get the appropriate coverage. Often called a non-owners auto policy, this plan will help you meet your insurance requirements though you don’t have a particular vehicle to insure.