Español ☰ ˟
Logo
IconEspañol
Insurance QuotesIcon
(866) 883-9357
Customer ServiceIcon
(562) 445-3661
  • HOME
  • GET A QUOTE
    • Auto Insurance Quote
    • Commercial Auto Insurance Quote
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Motorcycle Quote Form
    • Watercraft Insurance Quote
  • SR-22
  • BLOG
  • PAYMENT/CLAIM
    • Make a Payment
    • File A Claim
  • RESOURCES
    • Refer a Friend
    • Insurance Glossary
  • ABOUT US
    • About Us
    • Our Locations
    • Testimonials
    • Privacy Policy
  • CONTACT
    • Contact Us
    • Join Our Newsletter
Home > Blog > Does an SR-22 Mean You'll Lose Auto Insurance?
MONDAY, FEBRUARY 25, 2019

Does an SR-22 Mean You'll Lose Auto Insurance?

Man takes breathalyzer testGetting an SR-22 penalty is not something most drivers want to experience. At a minimum, it will lead to challenges and changes to your car insurance coverage. In the worst situations, it can even lead to policy cancellations. Why does this occur?

For the duration of your SR-22 penalty, you must maintain car insurance. So, if you face a cancellation, you’ll still have to get coverage.

How the SR-22 Relates to Insurance

An SR-22 is a form that proves for your state’s driving authorities that you have active car insurance. Not everyone has to carry this form. You'll get it if you commit serious driving offenses like DUIs, or driving without a policy. The penalty will essentially force you to carry a policy. That is because the state will now view you a high-risk driver. You’ll therefore need insurance behind you.

Yet, when you get the SR-22, your insurer will realize that you have high driving risks. They might have to raise your premium rates, or even cancel your coverage.

Why Cancellations Occur

You might wonder why an insurer can cancel your auto coverage after you get an SR-22. After all, isn’t the point of an SR-22 to force you to carry coverage in the first place?

The answer has to do with costs and risk factors.

When you earn the label of a high-risk driver, you’ll become more of a cost risk in the eyes of your insurer. The penalty will show the insurer that you have more of a chance of filing a claim. The insurer, therefore, will have a higher chance of having to pay out on a claim for an accident involving you.

Some insurers do not have the ability to maintain these high cost risks. They thus might have to cancel your insurance coverage. If they do so, you might feel a lot of uncertainty on what to do next.

How Your Insurer Can Help You

If your car insurance company cancels your coverage because of the SR-22, don’t fret. Your insurance agent will likely have options to help you obtain other protection. Many insurers will cover high-risk drivers, and some even specialize in this task.

So, as soon as the SR-22 occurs, notify your Santa Ana insurance agent. They’ll help you file the form, and help you adjust your auto coverage in case of any cancellations. Most agents quote multiple policies. So, they can help you find the new one that’s effective and still affordable. They’ll also help you keep the coverage active for the duration of the penalty. That way, you don’t experience any erroneous coverage losses.

Posted 5:55 PM

Tags: insurance, auto insurance, sr22 insurance, santa ana,
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017

  • insurance(24)
  • auto insurance(17)
  • santa ana(17)
  • california(14)
  • home insurance(6)
  • car insurance(5)
  • sr-22(4)
  • commercial auto insurance(2)
  • motorcycle insurance(2)
  • distracted driving(2)
  • business insurance(2)
  • saving money(1)
  • mold(1)
  • rate protection(1)
  • bundling(1)
  • insurance company(1)
  • comprehensive insurance(1)
  • life insurance(1)
  • normwalk(1)
  • parking ticket(1)
  • cancelled policy(1)
  • car wrecks(1)
  • penalties(1)
  • personal car insurance(1)
  • cracked driveways(1)
  • dont drink and drive(1)
  • drivers license suspension(1)
  • rental cars(1)
  • texting and driving(1)
  • homeowners(1)
  • tips(1)
  • impaired driving(1)
  • dui(1)
  • driving violation(1)
  • insurance transfer(1)
  • motorcycle safety(1)
  • non-payment(1)
  • comprehensive(1)
  • collision coverage(1)
  • teen drivers(1)
  • general liability(1)
  • new car(1)
  • sr-22 insurance(1)
  • slips and falls(1)
  • commercial insurance(1)
  • pay in full(1)
  • auto coverage for live-in parents(1)
  • clean up and repair(1)
  • falling objects(1)
  • medical payments(1)

View Mobile Version
Contact us
Insurance Quotes (866) 883-9357 Customer Service (562) 445-3661
Quick Links
Home Our Products Payment Options Report a Claim About Us Our Carriers Blog Contact Us
Location
Calle's Auto Insurance Services LLC
CA Lic# 0J05870
3835 W First Street, Ste D2
Santa Ana CA, 92703
Insurance Quotes (866) 883-9357
Customer Service (562) 445-3661



Social Icon Social Icon Social Icon Social Icon


© Copyright. All rights reserved.
Powered by Insurance Website Builder