{"id":7254,"date":"2023-12-11T17:00:20","date_gmt":"2023-12-11T17:00:20","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7254"},"modified":"2023-12-11T22:12:08","modified_gmt":"2023-12-11T22:12:08","slug":"myth-busting-sr22-insurance-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/myth-busting-sr22-insurance-in-california\/","title":{"rendered":"Myth-Busting SR-22 Insurance in California\u00a0"},"content":{"rendered":"\n
What if you could make one of the scariest events in your life a lot<\/em> less frightening? <\/p>\n\n\n\n For many drivers, having to file an SR-22 is daunting because they are worried about all the ways it may affect their automobile insurance<\/a>. As a result, drivers throughout California have created several myths about SR-22 insurance that make the truth that much harder to discover. <\/p>\n\n\n\n Don\u2019t worry \u2014 we\u2019re here to cut through the stories and deliver the facts about SR-22 insurance. Keep reading to discover the most persistent myths and the truth behind them! <\/p>\n\n\n\n Technically, the term \u201cSR-22 insurance\u201d is something of a myth itself. However, California drivers use the term so much that it often leads to uncomfortable questions, such as \u201cdo I need an SR-22 and regular insurance?\u201d <\/p>\n\n\n\n The truth is that an SR-22<\/a> is not a separate type of insurance \u2014 it is paperwork filed with the state to certify that you will keep the minimum required automobile insurance for a certain number of years. Because this paperwork can increase your premium, though, some refer to your coverage during this time as \u201cSR-22 insurance\u201d or even \u201cDUI insurance.\u201d <\/p>\n\n\n\n Those who are convicted of a DUI almost certainly will have to file an SR-22 with the state for at least three years. Over time, this has led to the misconception that only people with DUIs<\/a> need to worry about SR-22 insurance. <\/p>\n\n\n\n In reality, a lot of other scenarios can trigger the SR-22 requirement, including getting a DUI conviction, driving without enough insurance, or accumulating too many violations and repeat offenses. In some cases, if you\u2019re a California driver who fails to pay child support on time, you may need to file an SR-22. <\/p>\n\n\n\n Another persistent myth: \u201cSR-22 insurance\u201d is separate from your regular coverage. This isn\u2019t true. SR-22 is the name of the form you file with the state of California. You still need to maintain a minimum amount of regular automobile insurance, but you may now have to pay more on your premium than you did before. <\/p>\n\n\n\n Because filing an SR-22 with the state essentially verifies in most cases that you are a riskier driver than the average California resident, there may be some carriers that refuse to offer you coverage. Other carriers may advertise \u201cSR-22 insurance\u201d as a way to reassure consumers that they will still be able to purchase insurance from them. <\/p>\n\n\nWhat is SR-22 Insurance and Why Do I Need It?<\/strong> <\/h2>\n\n\n\n
Myth #1: Only California Drivers with DUIs Need SR-22 Insurance<\/strong> <\/h2>\n\n\n\n
Myth #2: SR-22 Insurance is Separate from Regular Insurance<\/strong> <\/h2>\n\n\n\n