If you have recently been convicted of a DUI or a traffic violation that resulted in the suspension of your driver’s license, you may be required to obtain SR22 insurance in Indiana.
SR22 insurance is a form of high-risk auto insurance that provides proof to the state that you have met the minimum insurance requirements necessary for reinstating your driving privileges.
In this article, we will provide detailed information about SR22 insurance in Indiana, including what it is, who needs it, how much it costs, and how to obtain it.
What is SR22 Insurance?
SR22 insurance is a type of auto insurance that is designed for high-risk drivers with a history of traffic violations, accidents, or DUIs.
It is not actually an insurance policy but rather a certificate of insurance that shows the state that you have obtained the required amount of liability coverage in order to get your driver’s license reinstated.
SR22 insurance is required in Indiana for drivers who have been convicted of certain offenses, including DUI, reckless driving, driving without insurance, and driving with a suspended or revoked license.
The certificate must remain on file with the state for a designated period of time, which varies depending on the offense.
Who Needs SR22 Insurance in Indiana?
If you have been convicted of a DUI or have had your driver’s license suspended or revoked for any reason, you will likely need SR22 insurance in Indiana in order to have your driving privileges reinstated.
Additionally, if you are involved in a car accident and do not have sufficient insurance coverage to pay for damages, you may also be required to obtain SR22 insurance.
The length of time that you will need to maintain SR22 insurance varies depending on the offense.
Typically, you will need to keep the certificate on file with the state for at least three years, but this can be longer depending on the severity of the offense.
How Much Does SR22 Insurance Cost in Indiana?
The cost of SR22 insurance in Indiana varies depending on several factors, including your driving record, age, location, and the amount of coverage you need.
Because SR22 insurance is designed for high-risk drivers, it is generally more expensive than standard auto insurance policies.
It is important to shop around and compare quotes from multiple insurance providers in order to find the most affordable SR22 insurance.
Some companies may even specialize in providing coverage for high-risk drivers and may offer more competitive rates.
How to Obtain SR22 Insurance in Indiana
If you need to obtain SR22 insurance in Indiana, the first step is to contact your insurance provider to see if they offer this type of coverage. If not, you will need to find an insurance company that does.
Once you have found an insurance provider, you will need to provide them with the necessary information to obtain a certificate of insurance.
This typically includes your name, address, driver’s license number, and the date of your offense.
After the insurance company has issued the certificate, they will file it with the Indiana Bureau of Motor Vehicles (BMV) on your behalf.
You will be required to pay a filing fee, which varies depending on the length of time you need to maintain the certificate.
If you have been convicted of a DUI or other traffic offense in Indiana, it is important to understand the requirements for obtaining SR22 insurance.
While it may be more expensive than standard auto insurance, it is necessary in order to have your driving privileges reinstated.
Be sure to shop around and compare quotes from multiple insurance providers to find the most affordable SR22 insurance for your needs.
With patience and persistence, you can obtain the necessary coverage and get back on the road safely.