Connecticut SR22 Insurance
Table of Contents
- 1 Connecticut SR22 Insurance
- 2 SR22 Insurance in Connecticut
- 3 How much does Connecticut SR-22 insurance cost?
- 4 The property damage will provide coverage for the driver and whomever is driving the vehicle in the case of an accident.
- 5 How do I file an SR-22 in Connecticut?
- 6 What happens if I let my SR-22 coverage lapse?
SR22 Insurance in Connecticut
A Connecticut SR22 car insurance filing is often required for drivers who have lost their licenses due to DUI or other legal infractions in order to have their licenses reinstated. The Connecticut SR22 car insurance form is a document verifying that the licensed individual carries at least the minimum amount of coverage required in the state of Connecticut – $25,000 in personal liability coverage per injured person, $50,000 in personal liability maximum per incident, and $25,000 in property damage liability per incident. Failure to carry the mandatory minimum liability insurance can result in significant penalties from the DMV and failure to maintain insurance can lead to the suspension or revocation of your driving privileges.
A Connecticut SR-22 car insurance filing is separate from the normal proof-of-insurance documents provided by insurance carriers, but serves much the same purpose, providing the state of Connecticut with a means of more closely keeping track of Connecticut insurance policies. The SR22 must be carried at all times by the driver, just like regular auto insurance. In addition to this, the SR22 form will need to be filed with the auto insurance policy to the DMV.
How much does Connecticut SR-22 insurance cost?
Insurance with an SR-22 in Connecticut can be expensive. This isn’t a direct cost of the SR-22 — filing fees usually total $15 to $35 — but a product of the insurance rate increases caused by the citation that necessitated the SR-22. Insurers bill risky drivers more expensive premiums to account for the increased risk of an incident. The rate increase you’ll receive will depend on the severity and number of your infractions
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
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How do I file an SR-22 in Connecticut?
In cases where your SR-22 form is mandated by the court, you could be required to file through the state DMV. If you’re already insured, call your insurance company to make sure your policy covers the state’s legal minimum for car insurance. If you don’t have car insurance, find an insurance company that’s licensed and willing to provide you SR-22 coverage. You won’t be allowed to drive until your SR-22 form has been filed and processed.
What happens if I let my SR-22 coverage lapse?
If your coverage lapses at any point while you have an SR-22 on file, your insurance company is required to let your state or DMV know that you’re uninsured. Once this happens, you may have a short grace period to provide proof of insurance if the state allows one. Otherwise, your SR-22 term will start over and legal penalties may apply.
For example, if you’ve maintained SR-22 coverage for two out of the three years required, a lapse in coverage causes your mandatory term to reset. That means three more years of paying for an SR-22, costing you more in money and time.
Connecticut SR22 Insurance Page Updated 7/20/2020
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