If you have been convicted of certain traffic violations or have had your driver's license suspended or revoked, you may need SR-22 insurance. While you often hear the term SR-22 insurance, it's not a type of insurance; instead, it's a certificate you must file with the state to prove you have the required car insurance coverage. If you are in a situation where you need one of these certificates, here's what to know.

How To Get An SR-22 Insurance Plan

Once you find out that you need an SR-22 certificate, it's time to figure out how to obtain one. If you already have car insurance, you can contact your insurance company and let them know that you need SR-22 insurance. If this is something your insurer offers, they will add SR-22 insurance to your policy and then file the SR-22 document with the state. If you don't have auto insurance or your insurer doesn't offer this type of coverage, you will need to look for a new policy. 

How Much It Will Cost

Another thing to consider if you need SR-22 insurance is how much it will cost. The filing fee for this certificate is usually around $25 to $50, but that's only part of the story. If you need an SR-22 insurance plan, chances are your auto insurance rates will go up due to the traffic violation that led to the need for one in the first place. Finding cheap SR-22 insurance is going to be a challenge. However, shopping around can help you find a better deal if you are in need of this type of auto insurance plan.

What Happens If Your Policy Lapses

If you have an SR-22 insurance plan, you need to stay on top of your policy. This means paying your premiums on time to avoid any lapses in your policy. Your insurance company will notify the state if your SR-22 coverage is terminated or lapses for any reason. If this happens, your driver's license may be suspended until your SR-22 insurance is reinstated. Make sure you keep your policy current if you're required to have an SR-22 certificate.

There are a few things you should know if you require SR-22 insurance. First, you need to find an insurer that offers SR-22 insurance plans. Second, filing the certificate isn't expensive, but your insurance rates will likely be higher if an SR-22 certificate is required. Finally, if your policy lapses, the state will be notified and you may have your license suspended.  

For more info about SR-22 insurance, contact a local company.