What Is SR22 ?
Reader’s Question:
Is it cheaper to get an sr22 form from other company or from my current company? What is SR22 anyway?
Amber
Thank you for asking Amber.
If your current insurance provider will file the SR-22 form for you, after making sure you have at least the types of insurance and liability limits that is mandated to you by the state, then normally it would be easier for you to keep the same insurance provider.
If your current insurance company does not offer the SR-22 for you then you will need to get a different auto insurance company that does deal with “high risk” drivers and will forward the SR22 form to the proper state agency on your behalf.
Your current insurance policy will not be able to be kept if your current insurance company does not file SR-22 forms for policyholders.You will need to get an auto insurance with an insurance provider that does SR22 filing and is cheaper. Then after that terminate your current insurance once your new car insurance is active.
Goodluck!
MariCAR
SR22 Financial Responsibility
Reader’s Question:
A friend of mine needs help in reinstating his driver’s license here in Wisconsin and he told me that he probably has to pay higher car insurance premium from now on? What does he have to do to reinstate his license and also to get cheaper car insurance?
Mark
Green Bay, WI
If your friend has been charged and found guilty of a major traffic violation in Wisconsin, he has to obtain SR22 financial responsibility so he can have his driver’s license reinstated. This is also called an SR22 insurance and it is a type of certification from a car insurer issued to the state’s department of motor vehicles. This will be a proof that he maintains car insurance coverage and thus he can drive around despite his high risk driving record. Obtaining car insurance with SR22 may not be that easy because it is more expensive than the usual car insurance policy and only certain car insurers offer it. If your friend wants to have a worry-free access to shopping and purchasing SR22 insurance, he must find a good SR22 insurance firm that gives cheaper SR22 insurance rates.
Your friend’s current insurer may not give him SR22 insurance even if he keeps multiple policies with them. Also, compared to other traditional forms of car insurance, SR22 financial responsibility is a lot more expensive, so your friend will run into some difficulties bagging car insurance with SR22.
The best way for him to get SR22 insurance is to go to any SR22 insurance firm. This type of insurance company usually extends cheaper SR22 insurance rates to high risk drivers. It is advisable that he does the search online because it is convenient to do so. He can visit SR22 insurance websites and browse, compare, and purchase the most affordable SR22 insurance for him.
Getting a Drivers License in San Antonio Texas
Reader’s Question:
How does a driving history in California affect an application for a driving license in San Antonio Texas?
Chris
San Antonio, TX
Both Texas and California are members of the Drivers License Compact. This agreement requires either of the two states to inform each other about violations made by drivers in their respective territories. Therefore, if a person obtains a violation in California, the conviction would be reported to San Antonio, Texas, and vice versa.
If a person from California plans to move into Texas and acquire a driving license there, the person would have to present his or her valid CA driver’s license and would only be given 30 days (after entry to TX) to obtain the new license. The TX Department of Public Safety (DPS) has jurisdiction over the records of drivers in TX, including those who just transferred from another state. The DPS is in the best position to state whether the violation committed in CA would be added to the new record in TX, or not.
With regards to auto insurance, the insurance company may be able to get hold of the MVR to assess the person and to see whether he or she is high-risk or low-risk. There is a possibility that the driver’s driving history in the other state may affect his or her car insurance rate in TX, therefore it would be best if he or she asks for the computation directly from the insurance company.
