If you’ve been informed that you require SR22 insurance in Arizona, you may be curious about what it entails and how it operates. SR22 insurance is a type of high-risk auto insurance that is required for individuals who have been convicted of certain driving offenses.
Arizona requires drivers to have liability insurance to cover any damages or injuries they may cause in an accident. Non owners insurance is also an option for individuals who don’t own a car but still require liability insurance. If you’re required to get SR22 insurance, you’ll need to obtain liability insurance and have your insurance company file an SR22 form with the Arizona Motor Vehicle Division.
Getting SR22 insurance online in Arizona is a straightforward process. Many insurance companies offer SR22 insurance online, making it quick and convenient to get the coverage you need. However, it’s important to note that SR22 insurance typically costs more than regular auto insurance due to the added risk factor associated with drivers who have had serious driving violations.
Remember that SR22 insurance is not an insurance policy but rather a document that verifies that you possess the mandatory minimum amount of liability coverage. This form is filed with the Arizona Motor Vehicle Department (MVD) by your insurance company on your behalf.
But what exactly does liability coverage entail? Liability insurance pays for damages that you cause to other people or their property if you’re at fault in an accident. In Arizona, the minimum liability coverage necessary is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.
So, when might you require SR22 insurance? If you’re convicted of certain driving offenses like DUI, driving without insurance, or reckless driving, you may be compelled to have SR22 insurance for a specified duration. You may also be required to obtain SR22 insurance if you are caught driving with a suspended or revoked license or if you are involved in an accident and don’t have insurance.
It’s important to note that SR22 insurance is typically required for a set period of time, which varies depending on the offense and the state. In Arizona, the typical length is three years, but it can be extended based on the severity of the violation. It’s critical to keep your SR22 insurance valid during this duration and not let it expire, as you may be penalized and even have your license suspended again.
In conclusion, if you’re required to obtain SR22 insurance in Arizona, it’s important to understand that it’s not a type of insurance policy, but rather a form that certifies you have the required minimum amount of liability coverage. You’ll need to maintain this coverage for a set period of time, typically three years, and not let it lapse, or you could face penalties and even have your license suspended again. If you have any concerns about SR22 insurance in Arizona or need assistance obtaining it, reach out to a trustworthy insurance provider or the Arizona Motor Vehicle Department (MVD) for help.