SR22 Insurance in Minnesota
Every so often someone will need an SR22 filing in Minnesota, also known as high-risk insurance. The SR22 is a form or certificate that is filed with the state of Minnesota and guarantees them that you have purchased insurance. Should your insurance lapse, or if it is terminated by the insurance company, the state is promptly notified via a SR26 form that rescinds the SR22, and that you are in violation. If this happens, you may be subject to being arrested if you are pulled over.
SR22 is a type of motor vehicle insurance that requires the insurance company to notify the DMV of insurance coverage.
SR22 Insurance in St. Louis Park, MN is typically more expensive than standard auto insurance. However, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone who needs an SR22 filing. Additionally, your existing insurance company may cancel your insurance if you need an SR22 while you’re insured with them.
An SR22 insurance policy is often required to reinstate driving privileges to drive when they have been suspended or revoked. Often, you will be required to provide proof of the SR22 certificate or form prior to your driver’s license being reinstated. Your agent should provide one, but ensure you ask for a copy for your records as some are held electronically. In most cases, your SR22 Insurance must be carried for a period of 3 years.
The reasons that people get an SR22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
For DWI and Refusal convictions, SR-22 Insurance is required for 5 years for the first offense, 10 years for the second offense and twenty years from the date of your third offense. On rare occasions, SR22 Insurance must be purchased for life if the driver has:
- Fourth offense for DWI or Refusal convictions
- Unsatisfied Judgment
It is important to understand that having an SR22 requirement is not the end of the world! Variant Insurance Group in St. Louis Park, MN makes the SR22 Insurance process easy and has companies that will file directly with the state on you behalf. You can even often leave our offices directly with an SR22 form in hand.
“But I don’t even own a car! Why do I need an SR22?”
Variant Insurance Group agents have a lot of experience helping high-risk drivers and will make sure you get the coverage you need at the best rate available. You do not need to own a vehicle to purchase SR22 Insurance. This is referred to as non-owners SR22 and you should notify your insurance agent of this. An SR22 does not cover a vehicle, but is a form for a driver who holds a driver’s license. Each state carries different laws, so be sure to talk to your Variant Insurance Group agent today about what you need to do if you need an SR22 filing in St. Louis Park, MN and our agents are very familiar with the SR22 laws in Minnesota. We will help guide you through the process and make sure you understand what is required, and eliminate some of the confusion you may be feeling right now.