The term SR-22 is used to refer to the document that is filed by your state for the purpose of providing the prove that your car has enough insurance. By the phrase, enough insurance, means that a car has met the minimum requirements with regard to car insurance as it has been outlined by the law. The term certificate of financial responsibility or the SR-22 bond may be used in the place of SR-22. Basically, SR-22 is not a type of insurance. It may be generally viewed as an easy to get filing approach. The court from the state where one comes from is one of the authorities that may order the need to have the SR-22 insurance. With regard to the court order, a notification to have the SR-22 will be passed to a person by the judge. With regard to the state where one comes from, the same notification will be passed by the department of the motor vehicle.
The SR-22 document will not be will generally not be needed by everybody. This means that there are a number of reasons that will make it necessary for one to have an SR-22 insurance. The SR-22 will be required in the case where one has been caught driving without an insurance. When one does not have a valid license, the same will apply. There are situations where one may have repeated several offenses for a short period of time. A good example in this case may occur when one has been caught while over speeding a number of times in a very short period of time. In such a case one will be needed to obtain an SR-22 insurance.
The SR-22 is usually obtained from insurance companies. As indicated, the SR-22 is not a type of insurance. Therefore, if one has an already existing auto insurance there is no need of obtaining a new insurance policy. What one will need to do where this is the case is the addition of the SR-22 document. Through the insurance company, to the state or the authority that needed it, the SR-22 will then be filed. Where the insurance policy never existed before, the need to obtain a policy will then be necessary.
To include the SR-22 document while obtaining the insurance policy, one will be needed to make an up-front notification to the insurance company. Some of the insurance companies do not offer the SR-22 document and one should therefore be careful. One should therefore not go forward as they ask for quotes where this is the case. Engaging the insurance agencies, instead of the insurance companies is what one may consider doing where this is the case.