If you are told that you need to buy SR22 insurance in St. Louis MO, you should learn as much as you can about this type of policy. When you contact an insurance company or insurance broker you can ask them questions about this special insurance product. If you need this type of insurance, it is best to deal with a company that has experience with a variety of insurance products. They will be able to explain why it is in your best interest to buy this particular type of insurance.
The SR22 is basically proof of insurance that you file with the Department of Motor Vehicles (DMV) if it has been determined that you committed a major traffic violation. Examples of possible violations include DWI, DUI and hit and run. The requirements vary depending on the state, but the state or the court may request that you get the SR22. You will be notified by the DMV or the court that you need to get this type of insurance. If you fail to pay your insurance premium, your driver’s license may be suspended.
The simple way to get sr22 insurance in St Louis MO is to buy another type of insurance policy. If you are already insured by a company, they will issue the SR22. If you are not already insured, some companies will sell you insurance with an SR filing. Just like other insurance products, the rates for SR22 vary so you should look for an option that suits your budget. Since insurance brokers offer a wide range of products you should have no problem finding the right one to fit your needs.
Usually an SR22 remains on your file for three years after the violation was committed. The cost of the filing of the SR22 is minimal, but the fee for the insurance itself will be higher. If you get one from your insurance company, you do not have to cancel your existing insurance policy. You also do not need to worry that the company will be hesitant to sell you this insurance, as legally they are obligated to do so.
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