Wisconsin SR22 INSURANCE
Wisconsin SR22 INSURANCE
WISCONSIN SR22 INSURANCE
An SR-22 is not actually insurance, but rather a certification that an insurer files to vouch for a risky driver. It’s a way to verify insurance with the minimum liability coverage limits for drivers who have been ordered to obtain this.
- How do I get SR-22 insurance coverage in Wisconsin?
- How long is SR-22 insurance coverage required in Wisconsin?
- Wisconsin Auto Insurance Requirements
- Who Needs Wisconsin SR-22 Insurance?
- Different Types of Wisconsin SR-22 Forms?
How do I get SR-22 insurance coverage in Wisconsin?
To get SR-22 insurance coverage in Wisconsin, you will need to work with a car insurance company licensed to do business in the state. Not all insurance companies provide SR-22 coverage, so confirm with your current provider or find a new provider that will file the SR-22 form on your behalf. If you’re filing an SR-22 form as an under-18 driver, let the insurance company know the filing is in lieu of sponsorship, meaning that you’re applying for coverage to drive under the age of 18 without a parent or guardian as a sponsor.
When your insurer files the SR-22 form on your behalf, it will typically charge a flat fee between $15 and $50. Your insurance company will file the SR-22 form directly, usually via mail or electronically with the Wisconsin Department of Transportation. Electronically filed SR-22 certificates should be reflected on your driving record within a few business days.
Upon processing the SR-22 form, the DMV should send you a letter confirming proof of insurance coverage and that you are legally eligible to drive again.
How long is SR-22 insurance coverage required in Wisconsin?
In Wisconsin, drivers are required to hold SR-22 insurance filings for three years from the date their licenses are eligible to be reinstated. Insurance companies will notify the Wisconsin DMV if you cancel or do not renew your SR-22 policy. Letting SR-22 coverage lapse can result in loss of driving privileges, reinstatement fees and increased cost of car insurance.
Once you’ve carried SR-22 coverage for more than three years following the date of license reinstatement eligibility, contact the Wisconsin Department of Transportation to verify that your requirement is complete. If so, you should contact your insurance provider to inform the company that an SR-22 filing is no longer required.
Will Insurance Rates Stay High?
If you’re a Wisconsin resident, it’s necessary to be familiar with your state’s unique auto insurance laws. According to the Wisconsin law, you must have liability insurance coverage for the following minimums:
- $25,000 for bodily injury to or death to one person in any one accident
- $50,000 for bodily injury to or death to two or more persons in any one accident
- $10,000 for injury to or destruction of others’ property in an accident
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.
Who Needs Wisconsin SR-22 Insurance?
In Wisconsin, SR-22 insurance forms need to be filed by drivers who are convicted of serious moving violations like reckless driving or operating a motor vehicle while intoxicated (OWI). A driver is also required to file an SR-22 form if they refuse to submit to an alcohol intoxication test when they are pulled over. Drivers who are pulled over for driving without car insurance are also required to file a WI SR-22 auto insurance form.
Different Types of Wisconsin SR-22 Forms?
There are three main types of Wisconsin SR-22 insurance forms: Operator’s Certificate, Owner’s Certificate and the Owners-Operators Certificate. The Operator’s Certificate SR-22 form covers drivers who do not own a vehicle. The Owner’s Certificate SR-22 form in Wisconsin proves the financial responsibility for vehicles that the driver actually owns, and the Operators-Owners Certificate covers all the vehicles that the driver drives, whether or not they own the vehicle.
Need Wisconsin SR22 Insurance to get your license reinstated? We understand the situation that has led to you needing an SR-22 is stressful enough to deal with and we strive to make this necessary process as smooth as possible. We can help you get your license back with cheap Wisconsin SR22 quotes and certificate of insurance filings.
Connect with us today! https://sr22insurance.net/
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