Navigating SR22 Insurance in Arizona
If you’ve been informed that you require SR22 insurance in Arizona, you may be curious about what it entails and how it operates. SR22 insurance is a type of high-risk auto insurance that is required for individuals who have been convicted of certain driving offenses.
Liability insurance is required in Arizona to compensate for any damages or injuries caused by a driver in an accident. Non owners insurance is also an option for individuals who don’t own a car but still require liability insurance. If you’re mandated to obtain SR22 insurance, you must obtain liability insurance and have your insurer submit an SR22 form to the Arizona Motor Vehicle Division.
Getting SR22 insurance in Arizona is simple and can typically be done online. Many insurance companies offer SR22 insurance online, making it quick and convenient to get the coverage you need. Keep in mind that SR22 insurance is usually more expensive than regular auto insurance because of the elevated risk linked with drivers who have committed serious driving infractions.
Keep in mind that SR22 insurance is not an insurance plan but rather a certificate that confirms you have the legally required minimum level of liability coverage. Your insurance provider will submit this document to the Arizona Motor Vehicle Department (MVD) on your behalf.
What does liability coverage really mean? Liability insurance pays for damages that you cause to other people or their property if you’re at fault in an accident. In Arizona, the minimum amount of liability insurance required is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.
When do you need to obtain SR22 insurance? If you’ve been found guilty of specific driving violations like DUI, driving without insurance, or reckless driving, you may have to carry SR22 insurance for a set period. SR22 insurance may also be necessary if you are apprehended for driving with a suspended or revoked license, or if you’re involved in an accident and don’t have insurance.
Keep in mind that SR22 insurance is usually mandatory for a specific duration, which can differ based on the state and the infraction. In Arizona, the period is typically three years, but it can be longer depending on the severity of the offense. It’s crucial to maintain your SR22 insurance during this period and not let it lapse, as you may face fines and even have your license revoked once more.
In conclusion, if you’re required to obtain SR22 insurance in Arizona, it’s important to understand that it’s not a type of insurance policy, but rather a form that certifies you have the required minimum amount of liability coverage. You’ll need to maintain this coverage for a set period of time, typically three years, and not let it lapse, or you could face penalties and even have your license suspended again. If you have any questions about SR22 insurance in Arizona or need help obtaining it, contact a reputable insurance provider or the Arizona Motor Vehicle Department (MVD) for assistance.