SR-22 insurance( SR 22 insurance) or an SR-22, is a certification issued by your car insurance company showing proof that you are carrying the minimum liability coverage required by your state. If you have been involved in an accident and were not carrying minimum car insurance, most state DMV will require you to hold an SR-22. SR-22s can also be required for other types of traffic offenses. SR22 Insurance is also known as:
A non-owner (non-owner) policy only covers a person for liability which means it provides you with coverage if you cause injury or property damage to others in a car accident while you are operating a vehicle you do not own. This type of car insurance coverage can be an important addition to your policy if you:
Remember, non-owner liability only covers damages and injuries you cause to others. This coverage does not extend to damages or injuries you might suffer in a car accident. Depending on the state you are in, it also may not cover a vehicle owned, nor frequently used by, the convicted driver.
To purchase a non-owner auto insurance policy, the only documents that are required is a driver’s license, and a credit or a debit card. The proof of insurance can be obtained through email, and your car insurance company will assist you in filing it on your behalf.
The cost of FR44 insurance is determined by the respective state’s minimum liability requirements. In Florida, it costs:
$100,000 of bodily injury liability coverage per person injured in an accident
$300,000 of bodily injury liability coverage per accident
$50,000 of property damage liability coverage per accident
The rates increase by at least 30%-50% after your first DUI. Needless to say, it can prove to be a costly mistake. In some states, fines and court costs can easily exceed $10,000, and penalties for repeat offenders can be even more extreme. Sometimes it becomes difficult for drivers to find any sort of car insurance policy, much less an affordable policy. This is because the driver becomes a significant risk after a DUI conviction.
Personal Injury Coverage
Uninsured Motorist Protection
Personal injury protection insurance
Towing and labor insurance