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Sometimes people have certain violations on their driving record that cause a judge to require them to carry Sr22 for Colorado. While this is often called sr-22 Insurance, it isn’t really an insurance policy. It’s actually something a person needs to add to their insurance policy to get a license reinstated.
What Is It
The purpose of sr22 insurance in Colorado is to have something on file with the state from the insurance company that verifies that a person has the proper insurance coverage. This is something that a person may need to pay an extra fee for over and above the cost of the insurance itself. It’s typically required for driver’s that have shown riskier behavior or a consistent pattern of breaking vehicular laws, not for relatively minor tickets or offenses.
Who Needs It
A judge orders a person to have sr22 insurance in Colorado in certain circumstances. These can include getting into an accident without having car insurance, driving while under the influence, reckless driving, getting a new license after having previously had a driver’s license revoked or suspended or even getting a lot of tickets within a relatively short time frame. Once Sr22 insurance in Colorado is ordered, it has to be purchased and maintained for a set amount of time or the driver’s license will be revoked until a new SR22 is in place to show the person is insured again.
Cost
While it isn’t free, sr22 insurance Colorado Springs providers don’t usually charge a lot for this certification. A typical fee could be about $25, which would need to be paid for each driver on the policy that needs the certification. Also, should insurance coverage lapse, a new fee will need to be paid to get the SR22 back as well. The cost of the SR22 itself isn’t the only thing to consider, however, as many of the things that make this rider necessary tend to cause insurance to be more expensive and a bit more difficult to find, such as driving while intoxicated, moving violations and accidents. Some insurance companies require someone that needs an SR22 to pay their insurance bill in full instead of making monthly payments before sending the SR22 to the state.
Duration
The length of time people need to carry an SR22 rider on their insurance varies depending on both the violation that caused the rider to be required and the state involved, but the average is around three years. This is also about how long any tickets, accidents of other adverse driving events stay on a driver’s record. Colorado, for example, now has a law that states that for a first time DUI offense that didn’t cause an accident, people only need to carry an SR22 rider for the length of time their license was suspended, but for people that caused an accident or who have a previous DUI, they need to carry the rider for either three years or the length of time their license was suspended for, whichever is longer.
It requires an insurance company to report to the state the status of the insurance policy. (If the policy active and paid to date.)
Simply put it is the states way of making sure you maintain insurance…. If you don’t they will suspend your license.
An sr-22 in the state of Colorado when required are typically required to be carried on your policy for three years.
Required to carry an sr22 and don’t have a vehicle? You need a broad form or non-owners policy.
What is a Broad form or Non-owners policy? It is an insurance policy that follows a driver not the vehicle.
Good news: Some companies do not charge for the SR22. (we can help you find those companies) All you pay is the cost of the insurance. SR22 insurance Colorado does not have to be difficult just call us.
We not only offer sr22 insurance Colorado car / auto insurance in Colorado Springs, Colorado but through the entire state of Colorado including Denver, Pueblo, Aurora, and Fort Collins. Saturday, February 08, 2014. Client review – Jon M. – Colorado Springs, CO. – Amy explained what the D.M.V. should have, she helped me get an sr22 insurance so I could get my license back. The sr22 only cost me $62 per month and 20 min. on the phone to get receive a quote. She emailed me my sr22 and Id cards in less than 5 min. Thank you Amy you deserve a raise! Sr-22 Insurance quotes given for Colorado.32 – Male, Colorado Springs- Broad form – Three violations – $86 monthly premium
121 S. Tejon, Plaza of the Rockies, Colorado Springs, CO. 80903.
Our office phone # is 719 392 4000.
3773 Cherry Creek North Drive # 575,
Denver, Colorado 80210, United States (US)
Phone:
Pueblo, CO 81008
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