Every so often someone will need an SR22 filing in Nevada, also known as high-risk insurance. The SR22 is a form or certificate that is filed with the state of Nevada and guarantees them that you have purchased insurance. If you should let your insurance lapse, cancel or if it is terminated by the insurance company, they would promptly notify the state with a SR26 form that rescinds their SR22 form and that you’re in violation and subject to being arrested if pulled over. If you’re in need of SR22 Insurance in Las Vegas, call 360 Insurance.
This type of coverage is a motor vehicle insurance policy that requires the insurance company to notify the DMV of insurance coverage.
This policy in Nevada is typically more expensive than standard auto insurance. With the exception of the SR22 form, there is no difference in the coverages that are available to you. Some insurance companies, however, may refuse to write a policy for someone in need of this filing. Additionally, your existing insurance company may cancel your insurance if you need an become high-risk while you’re insured with them.
An SR22 insurance policy is often required to reinstate driving privileges to drive when they have been suspended or revoked. Often, you will be required to provide proof of the SR22 certificate or form prior to your driver’s license being reinstated. Your agent should provide one, but ensure you ask for a copy for your records as some are held electronically. In most cases, your SR22 Insurance must be carried for a period of 3 years.
The reasons that people get an SR22 vary, but some reasons include:
- Receive a Driving Under the Influence ticket
- Too many speeding tickets
- Reckless Driving conviction
- Too many accidents
It is important to understand that receiving an SR22 is not the end of the world! 360 Insurance makes fulfilling your SR22 insurance requirments in Las Vegas easy and have companies that will file directly with the state. You can even often leave our offices directly with an SR22 form.