SR-22 insurance certificate is a document filed by auto insurance companies in Idaho. This certificate serves as evidence of financial responsibility for every driver operating in the state of Idaho. If you have had your license suspended, this document helps you get your driving privileges reinstated and restore your driver's license.
It is quite popular in the insurance industry. It is often triggered when a driver gets booked for a vehicular infraction, such as driving uninsured, driving under the influence, driving with a suspended driver's license, causing a collision, or accumulating negative license points.
Although it is quite tasking to search for the best Idaho SR-22 insurance, it is definitely worth the hassle. Picking the right insurance company can contribute immensely to the maintenance of your certificate. It would help if you had an insurer who will constantly keep you on your best behavior and remind you of payment dates to not elapse your SR-22 insurance period.
SR-22 insurance is different from standard auto insurance, and it is more of add-on coverage. When you purchase SR-22 insurance, your auto insurer will file the document with your local DMV. This filing process guarantees you're covered if you get into an accident.
You can file for Idaho SR-22 insurance for two sets of policies:
Owner's Policy: This is the typical car insurance policy that provides coverage for a driver and their car backed by SR-22 financial responsibility approval.
Operator Policy: This type of insurance policy offers coverage to a driver and any vehicle they drive. You do not have to be a car owner to purchase a non-owners insurance policy. It is not as expensive as traditional insurance, and it still satisfies all SR-22 requirements.
To kickstart this process, start by calling your current auto insurance company. If you are currently uninsured, shop around for a provider that can file an SR-22 request for you with the Idaho DMV. If you have existing car insurance, notify your agent to file form SR-22 with the Idaho DOT.
While most insurers offer this service, if your auto insurer cannot grant this request, you need to find an insurance company that has the capability to.
Next, pay the processing fee, which your insurer will charge for sending the SR-22 request. Idaho state law states that your minimum liability coverage must have certain limits. Hence, it is important to confirm that your policy provides:
- $15,000 for damaged property.
- $50,000 for mortal injury of two or more persons
- $25,000 for physical injury or mortal injury
After checking these boxes, your auto insurer can electronically file your SR-22 request to the Idaho transportation department. This will serve as proof that you're qualified to drive on the state.
Drivers With Insurance
It is quite easy to file for and acquire an SR-22 certificate if you're currently insured. Reach out to your car insurer and request an SR-22 filing to be sent to the Idaho Transportation Department. Usually, this request should be approved by your insurer. If it is not, switch insurers immediately.
Drivers Without Insurance
Uninsured drivers will have a bit of a tough time purchasing SR-22 insurance and may need to pay extra charges due to their high-risk status. If SR-22 insurance is on your policy, you may not qualify for other insurance, but you can expect to find an auto insurer willing to take you on.
Drivers That Don't Own A Vehicle
If you don't own a car, applying for SR-22 insurance will be tough since you need to present proof of insurance before you are awarded the certificate. Purchase non-owner auto insurance instead, which is considerably cheaper than the average policy, although it doesn't offer coverage for your car.
Your term's duration depends on the reason you were asked to file for SR-22 insurance by the state. If you had your license rescinded for failing to present proof of financial responsibility, you might be looking at a period of 36 months.
Maintaining insurance is a continuous effort, and any lapse in the timeframe will cost you your license, a second processing fee, and reset your term clock to zero.
You might wonder what happens if your SR-22 insurance elapses during those 36 months. Well, your auto insurer is mandated by law to inform the Idaho Transportation Department that you have canceled your SR-22 insurance.
Once the Idaho TD receives that report, your license will be automatically suspended, and your maintenance period will reverse back to zero.
Say you typically send late payments, and your insurance company cancels your coverage 20 months into your 36 months term. You will have to start from the first month again instead of completing the remaining 16 months.
If you maintain your SR-22 insurance continuously for three years without defaulting on your payments, you can safely remove SR-22 from your portfolio. However, be sure to contact the Idaho Transportation Department to confirm that you have fulfilled all your obligations.
SR-22 insurance is mandatory if you want to have your license reinstated. If you own a vehicle or not, expect to pay a premium regardless.