The document filed by your state for the purpose of providing the necessary prove that a car has enough insurance is usually known as the SR-22 insurance. With regard to insurance, the phrase enough insurance may mean that a car has met the minimum requirement as required by the law. Alternatively, the terms SR-22 bond and the certificate of financial responsibility may also be used to refer to the SR-22 insurance. The term SR-22 is not used to refer to a type of insurance. It is simple way of filing. The court from the state where one comes from is one of the authorities that may order the need to have the SR-22 insurance. Where the court has ordered, the judge will notify one the need to have it. In the instance when the same is ordered by the state, one will be notified by the department of the motor vehicles.
Not everybody who will need the SR-22 document in general. For this reason, there are a number of circumstances that will necessitate the need to have the SR-22 document. For example, where one is caught driving without an insurance, the SR-22 document will be required. The same will apply if ones’ license is not valid. There are instances when one may have repeated a number of offenses for a given period of time. For example, one may have caught over speeding several time within a given time. An SR-22 document will then be necessary in such a case.
The SR-22 is usually obtained from insurance companies. As it was earlier indicated, SR-22 is generally not a type of insurance. Therefore, if one has an already existing auto insurance there is no need of obtaining a new insurance policy. Adding an SR-22 document is what one will need to do in this case. The insurance company will then file the SR-22 document with the state or the authorities that are in need of it. There is a need for one to take an insurance policy where such did not exist there before.
To include the SR-22 document while obtaining the insurance policy, one will be needed to make an up-front notification to the insurance company. One should however be careful since some of the insurance companies do not offer the SR-22. Therefore, one should not make step further for requesting the quotes. In this case, one may consider engaging the insurance agencies instead of engaging the insurance companies themselves.