When it comes to getting car insurance in Mississippi, you may have heard of SR22 insurance. SR22 insurance is a type of insurance that is generally required for drivers who have received certain traffic violations or have had their license suspended or revoked. When you are searching for car insurance in Mississippi, it is important to understand what SR22 insurance is, who needs it and what it will cover. Read on to learn more about SR22 insurance in Mississippi.
What is SR22 Insurance in Mississippi?
SR22 insurance is a type of car insurance that is required for certain drivers in Mississippi. It is also referred to as a Certificate of Financial Responsibility. This type of insurance is generally required for drivers who have had their license suspended or revoked due to certain traffic violations. These violations may include DUI/DWI convictions, reckless driving, or multiple traffic violations. It is important to note that SR22 insurance is not a type of coverage, but rather a certification that the driver has the minimum required insurance coverage.
Who Needs SR22 Insurance in Mississippi?
In Mississippi, SR22 insurance is required for drivers who have had their license suspended or revoked due to certain violations. Generally, if you have been convicted of a DUI/DWI offense, or if you have been involved in multiple traffic violations, then you will be required to have SR22 insurance. In addition, if you have been cited for reckless driving, then you may also be required to have SR22 insurance. The Mississippi Department of Insurance will determine whether or not you are required to have this type of insurance.
What Does SR22 Insurance Cover in Mississippi?
SR22 insurance in Mississippi is a certification that the driver has the minimum required insurance coverage. This type of insurance does not provide any additional coverage beyond what is required by the state of Mississippi. When you purchase SR22 insurance, you will be required to have the minimum liability coverage, which includes: bodily injury coverage, property damage coverage, and personal injury protection. In addition, you may also be required to have uninsured/underinsured motorist coverage, as well as collision and comprehensive coverage.
How Much Does SR22 Insurance Cost in Mississippi?
The cost of SR22 insurance in Mississippi will vary depending on a variety of factors, including the type and amount of coverage you have, the type of vehicle you drive, your driving record, and the insurance company you choose. Generally, you can expect to pay more for SR22 insurance than you would for regular car insurance. However, the cost of SR22 insurance is likely to be much less than the cost of having your license suspended or revoked.
Where Can I Get SR22 Insurance in Mississippi?
When you are looking for SR22 insurance in Mississippi, you will need to contact an insurance company that offers this type of coverage. Most insurance companies in Mississippi offer SR22 insurance, and you can contact them directly to get a quote. Additionally, there are online resources that can help you compare rates from different insurance companies to find the best deal. It is important to shop around and compare rates before making a decision.
How Do I File an SR22 Insurance Form in Mississippi?
Once you have purchased SR22 insurance in Mississippi, you will need to file an SR22 form with the Mississippi Department of Insurance. This form will provide proof of your coverage and must be filed with the department. You can obtain the form from your insurance company or you can download it from the Mississippi Department of Insurance website. Once you have completed the form, you will need to file it with the department and pay the applicable filing fees.
Conclusion
SR22 insurance in Mississippi is a type of insurance that is required for certain drivers who have had their license suspended or revoked due to certain traffic violations. It is important to understand what SR22 insurance is, who needs it and what it will cover. When you are searching for car insurance in Mississippi, be sure to ask about SR22 insurance and compare rates from different companies to find the best deal. Remember to file the SR22 form with the Mississippi Department of Insurance once you have purchased the insurance.