What is SR22 insurance in Oklahoma for?
When you’ve been a part of a serious traffic violation, you have to meet an additional requirement for your auto insurance. It’s called the Oklahoma SR22 form, and you can get it from your insurer.
You can also consider the form to be a certification of your financial responsibility.
Filing this form means that you’ll be paying higher car insurance as compared to someone with a clean driving record. Additionally, you’ll have limited options when choosing an auto insurer since not all companies offer insurance to people with an SR22.
Having the form provides that you have the ‘minimum liability insurance’ according to your state. Since the amount differs for each state, it’s important to know your local regulations about SR22.
TYPES of SR22 forms for Edmond
When getting SR22 insurance quotes in Edmond, you should also consider the types of SR22 forms. Here are the three types:
- Non-owner: A non-owner or operator refers to someone who does not own a car and occasionally drives one after borrowing from someone else. In such cases, the SR22 form protects the person who has the policy rather than a certain vehicle. In some states, it’s called non-driver SR22 and is essential.
- Owner: As an owner, you’re someone who drives his or her own car.
- Operator/Owner: Such SR22 forms are for people who own their cars and also occasionally rent or borrow a car from someone else.
When do you need an SR22 in Edmond
You might have been involved in a traffic violation, but this does not always mean that you have to fill the SR22 form. You need SR22 Drivers Insurance Solutions of Edmond in the following cases:
- You have a moving violation against you, such as DWI and DUI.
- You were behind the wheel without insurance and caused an accident in Edmond.
- You’ve received more than the state limit on the number of traffic tickets in a month.
- Your Oklahoma license has been revoked or suspended.
- You haven’t paid your child support.
While most states have the SR22 form, some others like Washington and Florida have a similar form called the FR44. For this form, you need an even higher liability coverage than the SR22 form.
Meanwhile, there are some states that don’t require you to fill an SR22 form.
To get this information, you need to consult the traffic court in Edmond for Oklahoma form information. In some states, the Department of Motor Vehicles can also provide you this information.
