Usually, you will find that an SR22 is required for individuals who have shown to be a high risk to other motorists. Perhaps you have been convicted of operating a vehicle while under the influence or you ended up getting into a motor vehicle accident without having insurance coverage. Either of these circumstance would call for a SR22 insurance filing. Basically speaking, this is a way for the Department of Motor Vehicles to make sure that such drivers are fully covered by insurance in order to protect the rest of the general public on the streets.
When it comes to the amount of time that an SR22 is required, you will find that such an endorsement will usually need to be about a three year term. Once the term is complete, the filing will not be required any longer and the standing endorsement is able to be completely removed from your policy. If you have any questions with regard to the length of your SR22 insurance, you can always contact the Department of Motor Vehicles or the court that ordered the filing be in place.
For the most part, you will find that the cost of an SR22 filing will be about the same as regular insurance along with the addition of a one time filing fee. However, it is important that you do some shopping around in order to get the best possible rate for your endorsement. Keep in mind, the actual reason why you are in need of an SR22 insurance will have a direct impact on the overall rates that you will be required to pay.
When you are ordered to have an SR-22 filing in place, it is important that you keep up on the payments. If your SR22 is ever canceled, the chances are very good that the DMV will end up revoking your driving privileges.