Cheap Auto Insurance in Pennsylvania with SR-22 Coverage

Understanding SR-22 Insurance

The SR-22 form is also known as a Certificate of Financial Responsibility (CFR). It is an auto insurance document that must be filed with the state by an insurance company. It is not an actual insurance policy, but merely an agreement between an insurance carrier and the state. The form proves that a driver has a minimum amount of liability insurance coverage to pay for damages in the event of a car accident. If you are required to file an SR-22 in Pennsylvania, you will need to contact your insurance provider and ask for an SR-22 filing.

What Does SR-22 Insurance Cover?

SR-22 insurance is usually more expensive than standard auto insurance and it is a type of liability insurance that covers the costs of damages to people or property if you are at fault in a car accident. Your liability coverage must meet the state’s minimum requirements. In Pennsylvania, that amount is $15,000 for injury to one person, $30,000 for injury to all persons, and $5,000 for property damage. SR-22 insurance also covers your legal defense costs if you are sued following an accident.

Reasons You Might Need SR-22 Insurance

In Pennsylvania, if you are convicted of certain driving offenses such as Driving Under the Influence (DUI), Driving Without Insurance, Reckless Driving, or Vehicular Manslaughter, you may be required to file an SR-22 form with the state. You may also need to file an SR-22 if you have received numerous traffic violations in a short period of time, or if you are caught driving without a valid license. If you are required to file an SR-22, you must maintain the coverage for three years, even if you no longer own the car that was involved in the incident.

How to Find Cheap SR-22 Insurance in Pennsylvania

You may find that your current insurance provider does not offer SR-22 insurance. If this is the case, you will need to contact an insurance company that offers SR-22 coverage. Shop around for the best rates and compare quotes from several companies. You may be able to find cheaper rates by taking the time to compare different policies and providers.

Can I Get SR-22 Insurance if I Have a Bad Driving Record?

The answer is yes. Even if you have a bad driving record, you can still get SR-22 insurance coverage. However, you will most likely pay more for your insurance due to the risk that you present to the insurer. Make sure to shop around and compare quotes from several companies to find the best rate possible.

Conclusion

SR-22 insurance is a type of liability insurance that is required by the state of Pennsylvania for certain drivers. It is more expensive than standard auto insurance and it is important to shop around and compare quotes from several companies to find the best rate. Even if you have a bad driving record, you can still get SR-22 insurance coverage.