SR-22 Filing in Tuscaloosa, AL
An SR-22 isn’t an insurance policy—it’s a document that your insurance company files with the state to demonstrate that you meet the state’s minimum insurance requirements. The state often mandates it for drivers who have been convicted of certain driving-related offenses, such as DUI, driving without insurance or accumulating excessive points on their driving record.
How to Get SR-22-compliant Coverage
Not every driver is required to file an SR-22 form with the state of Alabama. If you receive notice that you must file SR-22, contact your provider and inform them of the requirement. Ensure that your policy meets Alabama’s minimum auto liability insurance requirements, which include coverage for third-party accident-related bodily injuries and property damage.
If your current insurer cannot provide SR-22 coverage, your agent can help you find one that does.
It’s crucial to maintain continuous insurance coverage for the entire duration of the SR-22 requirement. A lapse in coverage can result in further penalties and complications with your driving status.
SR-22 and Auto Insurance Costs
While SR-22 coverage itself doesn’t usually involve additional costs beyond your standard insurance premium, there may be other financial implications. Drivers required to obtain an SR-22 often face higher insurance premiums. This is because insurance companies view drivers with SR-22 requirements as higher risk.
Some insurance companies may charge a fee for filing the SR-22 form. This fee can vary, so checking with your insurer is essential.
The impact of an SR-22 on your insurance rates can last beyond the period you’re required to carry it. Your driving record may affect your premiums even after the SR-22 requirement is fulfilled.
To find the most affordable SR-22 coverage, compare quotes from different insurance providers. Some insurers specialize in high-risk coverage and may offer better rates.
Contact Us
Contact Crawford Insurance, LLC in Tuscaloosa, Alabama, to compare SR-22-compliant auto insurance quotes.