SR-22 in Phoenix, AZ
If you’ve been convicted of a serious driving offense, you may have received notice that you must produce an SR-22 form to keep your driver’s license or reinstate it.
At Above All Insurance, we specialize in helping Arizona drivers get the best possible coverage at a great rate. Contact us today to learn more about your options if you must file an SR-22 form.
What Is SR-22 Insurance?
An SR-22 form is a certificate of financial responsibility that proves you have at least the minimum amount of auto liability coverage as required by Arizona laws. The state requires that every motor vehicle, including motorcycles, mopeds and golf carts, be covered by liability insurance.
Arizona drivers must maintain auto insurance coverage with at least the minimum amount of liability coverage, including the following:
- Property liability insurance helps pay to repair or replace third-party property after an at-fault accident.
- Bodily injury liability insurance helps pay third-party medical bills after an at-fault accident.
How Does an SR-22 Work?
Filing an SR-22 form may be required after a severe driving violation. Failure to file the form before the deadline could trigger the loss of your license or prevent you from getting your driving privileges reinstated.
Insurers typically classify drivers who must file an SR-22 form as high-risk. While the state requires liability coverage to meet SR-22 requirements, if you own a leased or financed vehicle, the lienholder requires full coverage insurance.
How Much Is SR-22 Conforming Insurance?
Since your auto insurance premiums are based on several factors, including your claims history, driving record, location and age, you may experience a premium increase due to the types of serious driving infractions that typically trigger an SR-22 requirement.
Your agent can help you navigate the process of notifying your insurer that you must file SR-22. Your insurance company may charge a fee to send the completed SR-22 form to the Arizona DMV.
Some insurers will not provide coverage for high-risk drivers. Your agent can help you find a new insurance company if necessary and get multiple quotes for appropriate auto insurance coverage.
If you’ve received notice to file an SR-22 form, contact Above All Insurance in Phoenix, Arizona, today. We can help you decide which auto insurance policies may best meet your needs, get insurance quotes and help you file the SR-22 form with the Arizona DMV.