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Navigating SR22 Insurance in Arizona

If you’ve been informed that you require SR22 insurance in Arizona, you may be curious about what it entails and how it operates. SR22 insurance is a type of high-risk car insurance that is necessary for people who have been found guilty of specific driving infractions.

In Arizona, motorists must have liability insurance to cover any damages or injuries they may be responsible for in a collision. Non owners insurance is also an option for individuals who don’t own a car but still require liability insurance. To obtain SR22 insurance, you must obtain liability insurance and have your insurance provider submit an SR22 form to the Arizona Motor Vehicle Division.

Getting SR22 insurance online in Arizona is a straightforward process. Numerous insurance providers provide SR22 insurance online, simplifying the process of obtaining the necessary coverage. However, it’s important to note that SR22 insurance typically costs more than regular auto insurance due to the added risk factor associated with drivers who have had serious driving violations.

It’s important to note that SR22 insurance is not a type of insurance policy, but rather a form that certifies that you have the required minimum amount of liability coverage. This form is filed with the Arizona Motor Vehicle Department (MVD) by your insurance company on your behalf.

But what exactly does liability coverage entail? Liability insurance pays for damages that you cause to other people or their property if you’re at fault in an accident. In Arizona, the minimum amount of liability insurance required is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.

So, when might you require SR22 insurance? If you’ve been found guilty of specific driving violations like DUI, driving without insurance, or reckless driving, you may have to carry SR22 insurance for a set period. You may also be required to obtain SR22 insurance if you are caught driving with a suspended or revoked license or if you are involved in an accident and don’t have insurance.

Keep in mind that SR22 insurance is usually mandatory for a specific duration, which can differ based on the state and the infraction. In Arizona, the typical duration is three years, although it can be longer based on the seriousness of the violation. It’s critical to keep your SR22 insurance valid during this duration and not let it expire, as you may be penalized and even have your license suspended again.

To sum up, if you need to acquire SR22 insurance in Arizona, it’s crucial to know that it’s not an insurance policy, but rather a certificate that verifies you have the legally required minimum level of liability coverage. You’ll need to keep this coverage valid for a specified duration, usually three years, and not allow it to expire, or you may face fines and even have your license revoked once more. If you have any concerns about SR22 insurance in Arizona or need assistance obtaining it, reach out to a trustworthy insurance provider or the Arizona Motor Vehicle Department (MVD) for help.

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