Cheap Car Insurance for St. Louis, Missouri Drivers
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A SR-22 is not an insurance policy; it’s simply a financial responsibility form proving that you have insurance coverage. The SR-22 is filed with your state by your insurance company, and certifies that you carry the minimum liability coverage on your car insurance policy.
SR-22 for drivers that do not own a vehicle can be filed with a “non-owners” policy.
If you do not own a motor vehicle, you must purchase “non-owners” liability coverage. This policy provides liability to a vehicle you drive that you do not own. “Non-owners” policies typically are discounted. However, if you purchase a vehicle you must endorse your non-owners policy to an auto policy to remain covered and legal to drive.
The SR-22 must be submitted from an insurance company licensed in the state for which the SR-22 is required, and has the authority or “power of attorney” to issue an SR-22. Our office maintains a listing of authorized agents and companies.
An SR-22 requirement can be issued by the Secretary of State based on a judgement in a county court. Depending on the state you live in SR-22’s are usually required for 12-36 months. Some states require these to be consecutive months, meaning that if you are late on a payment you have to start the SR-22 all over. SR22, also known as high risk auto insurance, could be required of drivers for several different reasons, including:
Driving under the influence (DUI)
Driving with a suspended or revoked license
Having an at-fault accident while driving uninsured
Multiple moving violations or tickets within 12 months
Being behind on Traffic Citation Payments
Being behind on Child Support Payments
Other major moving violations, such as reckless driving
Unsatisfied judgment suspensions