Do You Need an SR-22 for a Wet Reckless?

January 25, 2021

Most people don’t become familiar with an SR-22 until they find themselves in a situation where they need to. Going through the process of filling out an SR-22 can be a new and stressful process for many. It’s common to assume that an SR-22 is just another type of insurance, but this is actually not true. An SR-22 is not an insurance policy, but rather an additional piece of documentation to attach on to your current insurance policy. It certifies that you meet the minimum state requirements for liability insurance following a serious traffic offense, or multiple offenses, in a short period of time. In other words, an SR-22 is not an insurance policy, but a form that you are legally required to have in addition to your normal car insurance for a time period designated by a court or state.

What’s the Difference Between a Wet Reckless and a DUI?

There are a few distinctions between a Wet Reckless and a DUI. Firstly, a Wet Reckless is not a DUI charge. A wet reckless may also not have the same consequences as a DUI with employers or licensing agencies, either. A very critical difference between the two is that the respondent can state in court that they were convicted of reckless driving, which would appear on their criminal background check. A DUI conviction will cause an automatic license suspension, while a Wet Reckless will not. Drivers with a Wet Reckless will also not need to have an Ignition Interlock Device (IID) installed in their vehicle. However, they will have two points added to their driving record. Due to this, their insurance rates will likely go up, and they will lose their safe driving discount, if they have one. The max jail time for someone with a Wet Reckless is 90 days, while a DUI has as much as 6 months.

If I Have Been Charged With a Wet Reckless, Do I Still Need to File an SR-22?

This is up to the DMV. Even if the court does not suspend your license, the DMV may still do so. Submitting an SR-22 for a Wet Reckless will be requested if you experience a loss at a DMV Administrative Per Se hearing.

How to Obtain An SR-22 Insurance Policy

Obtaining an SR-22 form can be stressful, but with Joey Hernandez Insurance Solutions, it doesn’t have to be! You can get instant SR-22 filing and get your license reinstated the same day you contact us. Give us a call today at (866) 772-1114.

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Can I Drive Someone Else’s Car With An SR-22?

January 25, 2021

If you are wondering whether you can drive someone else’s car while having an SR-22 on your driving record, the short answer is yes, you can. However, the requirements vary state by state, so it is always a good idea to check with your DMV to confirm. For some states, you may be required to have a non-owner SR-22 insurance, especially if you have been convicted of a DUI. It may also be helpful to note that an Operator’s Certificate will allow you to drive any car that you do not own.

How Long Do I Need an SR-22 After a DUI?

January 25, 2021

DUIs are a pretty serious driving offense, and receiving one can affect multiple aspects of your life for the long-term. If you have been charged with a DUI, an SR-22 is one of multiple aspects of the legal process you will need to go through. With a DUI on your record, you are now considered a “high risk” driver, and can expect to pay the highest insurance rates. Conditions regarding SR-22s and DUIs vary across state lines and insurance companies. The average length of time that an individual who now has an SR-22 as a result of a DUI charge will have to fulfill the requirements for an SR-22 for at least three years. In most cases, you can also expect your current monthly insurance payment to increase by 80%, on top of additional costs and fees associated with obtaining an SR-22. The original copy of the SR-22 certificate will remain on file with the carrier’s local DMV, as long as the carrier or DMV doesn’t cancel before terms are fulfilled, and you will not be required to file every year.

How Do I Get An SR-22 Off My Insurance?

January 25, 2021

Being required to fill out an SR-22 can feel overwhelming and trapping. It’s inconvenient, restrictive, and will jack up your monthly insurance payments. The good news is that you will not need to have an SR-22 forever.

How Much Does a Non-Owner SR-22 Cost?

January 25, 2021

An SR-22 is typically thought to be a type of insurance, but it’s not. An SR-22 is simply an “add-on” certificate that you have been ordered to provide to your insurance provider after a serious driving offense. Reasons why you may be requested to fill out an SR-22 include, but are not limited to: reckless driving, multiple traffic offenses (such as speeding tickets) in a short period of time, DUI or DWI, driving without auto insurance coverage, causing an accident without having insurance coverage, or driving with a suspended or revoked license.

How Much Is An SR-22 Per Month?

January 25, 2021

An SR-22 is typically something that people never know about or consider until circumstances arise. Navigating the process for providing an SR-22 can be confusing and overwhelming, but knowing the ins and outs will help make the process easier for insurance carriers to regain favorable terms with their providers.

Insurance Broker Shaking Hands with a Young Couple

What Does SR-22 Insurance Cover?

January 25, 2021

In most cases, no one becomes familiar with an SR-22 until they need to. Going through the process of filling out an SR-22 can be a new and confusing process for many, which is why having the right information will make submitting an SR-22 all the more comprehensive. It’s common to assume that an SR-22 is just another type of insurance, but this is not the case. An SR-22 is not an insurance policy, but rather an additional piece of documentation to attach on to your current insurance policy. It certifies that you meet the minimum state requirements for liability insurance following a serious traffic offense, or multiple offenses, in a short period of time. In other words, an SR-22 is not an insurance policy, but a form that you are legally required to have in addition to your normal car insurance for a period of time.

What Is The Difference Between an SR-22 and Regular Insurance?

January 25, 2021

Sign Outside of Insurance Broker Location

Who Has the Cheapest SR-22 Insurance?

January 25, 2021

If you have been ordered to obtain an SR-22, this means that you are now considered a high-risk driver. As a result, you will be paying a much higher rate than other drivers. Luckily, an SR-22 is not permanent, and you will only be paying a higher amount for a period of time. While the circumstances can feel trapping, there are ways to make the process of obtaining an SR-22, and getting it off your record, easier.

Why Would You Need an SR-22 Form?

January 25, 2021

If you are reading this article, chances are you have been notified that you need to provide an SR-22 form to your state DMV or a court for one of a variety of reasons determined by your vehicle’s insurance provider. Unfortunately, if this happens, your insurance provider is categorizing you as a “high risk” driver. High-risk drivers pay the highest insurance premiums, and in serious cases may be disallowed to operate a motor vehicle for a period of time. Understanding what an SR-22 form is and why you need it will help you understand what you need to do in order to have your driving privileges reinstated, and potentially lower your monthly premiums.