sr-22 insurance Forest Hills PA
What is SR-22 Insurance? SR-22 insurance, sometimes called Financial Responsibility Insurance, is a form of automobile liability insurance that proves a motorist has the minimum liability coverage required by the state of Pennsylvania. SR-22s are required in Forest Hills PA due to high-risk violations like DUIs, reckless driving, or major traffic violations. SR-22 insurance is not a type of physical coverage, but a certificate issued by your insurance company showing the Pennsylvania DMV that you have the minimum liability limits for your state.
Why is SR-22 Insurance Necessary? SR-22 insurance is required if you are convicted of certain traffic-related offenses in Forest Hills PA. Examples include driving without insurance, drunk driving, and major traffic violations like leaving the scene of an accident. Depending on the violation and your record, your license may be suspended or revoked and Pennsylvania will require proof of SR-22 insurance in order for you to reinstate your license.
What are the Benefits of SR-22 Insurance? Everyone makes mistakes, and SR-22 insurance works to help you get back on the roads of Forest Hills PA; quicker and more safely than ever before. Lower premiums on car insurance mean you can pay less and take advantage of special discounts available solely to those who have SR-22 insurance. Additionally, if you drive an older car, SR-22 can help you keep the legal coverage you need at the lowest possible price.
How Long Does SR-22 Insurance Last? Generally, SR-22 insurance is required for three years, but its entirely dependent on the original charge that the SR-22 is associated with. For instance, if SR-22 is being issued due to a DUI, your state may require five years of SR-22 coverage.
What Happens if I Fail to Maintain my SR-22 Insurance? It is important to remain in a continuous coverage status while SR-22 is in effect. If you dont keep your SR-22 insurance policy active, your license will be suspended. SR-22 can be expensive, but being without insurance isnt a viable option. Nearly all insurance companies in Forest Hills PA can provide a monthly payment plan for the policy.
Where Can I Find SR-22 Insurance in Forest Hills PA? Finding SR-22 insurance in Forest Hills PA doesn’t have to be a headache. You can count on insurance providers like Awesome Insurance Company to offer all the benefits of SR-22 insurance as well as personalized coverage tailored to your budget and needs.
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What Kinds of Coverages are Included in SR-22 Insurance?SR-22 insurance is not an additional or special type of insurance, but rather a certificate that proves youre carrying the required minimum liability insurance. The types of coverage you will want to have and will typically be included in an SR-22 policy include bodily injury, property damage liability, uninsured motorist, medical payments/personal injury protection, and collision coverage.
What if I Move to a New State While SR-22 is in Effect?If you move to a new state while SR-22 is in effect, youll need to contact your local Forest Hills PA insurance company. SR-22s are insurance policies written in compliance with the PA DMV. You will typically be able to transfer your policy, but its important to read the fine print and ensure that your new policy meets the DMVs requirements and will fulfill the term of your SR-22.
Are There Discounts Available for SR-22 Insurance?Though SR-22 insurance can seem expensive, you can be sure to find the best deals and discounts with the right insurer. Many insurance providers offer discounts for customers who bundle multiple policies, have a clean driving record, or are members of certain groups. There may even be special discounts for those with SR-22 requirements. Its important to shop around and compare quotes to make sure you save as much money as possible.
Are There Alternatives to SR-22 Insurance?If a Forest Hills PA resident is temporarily unable to find an insurer willing to provide them with SR-22 insurance or the cost of SR-22 insurance is too expensive, they can opt for self-insurance. Self-insurance involves contributing a certain amount of money to an escrow or trust account, which is held as collateral by the Pennsylvania DMV. An individual with self-insurance must have enough money in the escrow account to pay the costs associated with any accident in which they are liable. Self-insurance is not recommended since it involves a greater risk to the insured, and can be much more expensive in the long run.