WWashington, D.C SR22 Insurance
WASHINGTON DC SR22 INSURANCE
If you’ve been convicted of a driving violation and your license has been suspended, you’re required to file an SR-22 form in Washington, D.C. After certain violations, such as a DUI or driving without car insurance, you may be required by the court or D.C. authorities to file an SR-22. By requiring you to get this coverage, the authorities are making sure you have enough coverage to meet your financial liabilities if an accident were to happen.
- Who needs SR-22 insurance in Washington, D.C.?
- How much does Washington, D.C. SR-22 cost?
- How to Get Washington D.C. SR22 Insurance?
- Non-owner SR-22s for Washington drivers
- Penalties for Not Filing an SR22 Form in Washington DC
Who needs SR-22 insurance in Washington, D.C.?
In Washington, D.C., SR22 insurance is required in a few different instances in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of smaller violations within a short span of time. SR-22 insurance is required for the following reasons:
- A conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
How much does Washington, D.C. SR-22 cost?
Typically, an SR22 Insurance form costs $15-$35. This is just a minimal fee but expect to pay higher because of the insurance rate increase triggered by the violation that prompted the SR-22 requirement in the first place.
Insurance companies bill high-risk drivers more expensive rates to account for the increased chance of having to pay out a claim after a crash. The rate increase you’ll face depends on the severity and number of the violations.
How to Get Washington D.C. SR22 Insurance?
SR22 insurance quotes can be acquired from most vehicle insurance agencies that service the Washington DC area. However, it is worth knowing that each insurance agency determines its own fees for high-risk insurance.
After you purchase an SR22 policy, the insurance provider that you choose will file your form with the Washington DC DMV. Before you will be able to reinstate your driver’s license, the form must be processed by the DMV.
Non-owner SR-22s for Washington drivers
It is possible to be involved in a traffic violation without owning a vehicle but even if this is the case you will still need to file an SR-22. Since obtaining an SR-22 is not possible without car insurance, you first have to purchase a non-owner insurance policy, meant for drivers who don’t own an automobile. This policy is much cheaper than standard car insurance since it is meant to cover the motorist and not the vehicle. There are several reasons why someone might need non-owner insurance, including a lapse in the existing car insurance policy or to be protected while renting or borrowing vehicles, but the most important reason why people purchase this policy is for the ease of filing an SR-22 if needed.
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.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Penalties for Not Filing an SR22 Form in Washington DC
If an SR22 form is required, then you will not be eligible to reinstate your driver’s license until the form has been completed by a vehicle insurance company that is licensed to provide service within the Washington DC area.
Depending on your conviction, you will be required to maintain that insurance policy for a set period of time. If you change insurance providers at any point during that time, then it is very important that your new insurer files an additional form immediately.
In the event that your insurance policy lapses in coverage or if you cancel your insurance altogether, then your Washington DC driver’s license will be suspended. Furthermore, it is worth knowing that auto insurance agencies are required to report any changes to your policy to the Washington DC DMV.