FREQUENTLY ASKED QUESTIONS ABOUT SR-22 INSURANCE
Q. How does an SR22 insurance filing work?
A. An SR22 filing is an endorsement (addendum) to an auto insurance policy (it does not have to include an auto). This filing provides communication from the issuing insurance company to the DMV of the state involved. As long as the policy stays in force, your license will remain valid until you serve the required time. Once the required time has been served, the state will dismiss any restrictions on your license.
Q. How is an SR22 insurance policy issued? Can I do everything over the phone?
A. Wessell Insurance Services will shop the available insurance companies in your area, and notify you of the best terms we found. Once the policy is in place, Wessell Insurance Services issues the SR22 to the state, or to you directly, within a few minutes. This will facilitate the release of the restriction on your license, and keep the SR22 in force for the duration of your requirement. The entire process can be completed within 20 minutes by phone if you use a credit/debit card. We will fax or email to you all the necessary documents for your signature shortly after the policy is issued.
Q. Can I use a “Non-Owner” SR22 insurance policy if I own a car and already have insurance?
A. Yes. One popular option with an SR22 requirement is to purchase a “non-owner”, or “named-operator” policy. This policy is issued to supplement your existing policy, and meets the state’s minimum requirements for license release. One nice feature is that there is no communication with your existing insurance carrier, and the policy is issued quickly and discreetly. Once your required time is completed, you can drop the SR22 policy and continue your existing insurance uninterrupted. A “non-owner” SR22 policy is usually the least expensive alternative, and by far our most popular product.
Q. What if I no longer live in the state that is requiring the SR22 insurance filing?
A. You can satisfy the SR22 requirement for any state, no matter where you live. In most cases, a “non-owner” SR22 policy will be the only option. This can be accomplished easily and discreetly by phone, just like any other auto policy, through Wessell Insurance Services.
