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Frequently Asked Questions

What insurance companies do you represent?

With being a independent insurance agency we represent several insurance companies. Progressive, Safeco, Greenville Casualty, Assurance America, Insuremax, Gainsco, Dairyland, Foremost, American Modern, Aegis, Lloyds of London, Scottsdale and more. We believe in offering several options for your insurance needs to save you time and money.

What is SR22?

An SR22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

Who needs an SR22?

If you have been arrested or convicted to one of the following you may be required to carry an SR22:
Driving with under the influence DUI, DWI, DUAC
At fault in an accident while driving without insurance
Multiple traffic offenses specific to your state
Most any suspension related to a traffic violation

How Much Does SR22 Cost?

The cost of SR22 depends on a lot of factors. If you are needing SR22 auto insurance it typically is more depending on the type of coverage you are putting on the vehicle and the type of car that is insured. If you qualify for non owners SR22 insurance then you would be rated based solely on the driving record of the person getting the insurance. This can vary from person to person based on driving experience, age, and driving records. Without quoting the insurance it is impossible to tell someone how much the insurance will cost.

Reasons an SR22 may be required

The requirement to have an SR22 is usually associated with:

  • Multiple traffic offenses
  • DUIs, DWIs or other serious moving violations
  • License suspension or revocation
  • Violations for failure to maintain the mandatory insurance coverage required in your state.

Typical SR22 terms

Terms and requirements vary by state, but generally, you must retain both the SR22 and your insurance policy for approximately three years. If your insurance policy lapses, your insurer is required by law to notify the Department of Motor Vehicles office. Your license will be suspended until your insurance has been reinstated. Then once you have met your SR22 obligations for the prescribed amount of time, your SR22 status will be removed.

Why Do People Purchase Non-Owners SR22 Insurance?

According to SC DMV people usually purchase non-owners SR22 Insurance to reinstate their driver’s license if they no longer own a vehicle. Drivers may be required to buy this style of insurance through a court order stemming from a judgment or child support case. In some cases, you may purchase non-owners insurance without an SR22. Having continuous coverage through a non-owners policy can provide proof of financial responsibility and reduce insurance costs when deciding to buy a vehicle in the future.

Can I get SR22 Insurance without a vehicle?

Yes, in fact this can often be the most cost effective way to get SR22 insurance. If you don’t own a vehicle you can ask for a non owner auto insurance policy.

What is an SR22 filing?

SR22 Auto Insurance is simply proof of liability insurance for the state. This certificate proves that the driver carries liability insurance that meets the state minimum requirement. The SR22 form is submitted to the state from the insurance company and they will notify if the policy is cancelled.

How long do I need an SR22?

Many states require you to carry an SR22 from 3 to 5 years depending the type of violation. If you cancel the SR22 during the probation period you will need to start over.

What is a non-owner auto insurance policy?

If you don’t own a vehicle and still need to carry liability insurance you can start a non-owner policy. Many drivers who need to file an SR22 form don’t have a vehicle so they would need a non-owner SR22 insurance policy. This policy allows you to drive any car with at least state minimum liability limits.

Do I need renters insurance?

While not required otherwise, anyone renting any type of residence long-term—be it an apartment or single-family home—should strongly consider purchasing a renters insurance policy. For most tenants, renters insurance is an invaluable tool to protect against potentially devastating financial consequences.

What should renters insurance cover?

A renters insurance policy is a group of coverages designed to help protect you and your belongings. A typical renters insurance policy includes liability coverage, protection for your belongings and coverage for additional living expenses, should the home you’re renting become temporarily uninhabitable.