Smart Auto Insurance Blog

SR-22 auto insurance policies show the DMV proof of insurance according to an article on officialwire.com by Joel McLaughlin.  Auto insurance companies fill out a SR-22 insurance form for you and then they forward it to the DMV when your license has been taken away for various reasons including a DUI or getting in an accident with no auto insurance.

Once the DMV gets the SR-22 insurance form they then have the proof that you are carrying minimum liability auto insurance and they will return your license to you.  The usual standard for carrying SR-22 insurance is 3 years.  This can vary depending on which state the violation occurs in and how severe the offense was.  If your auto insurance company cancels your insurance policy for any reason before the date of termination they will notify you.

Not all auto insurance companies offer SR-22 insurance so you may need to use a different carrier than you previously used.  You also may end up contacting numerous different companies to find a carrier right for you.

A helpful article on Officialwire.com by Joel McLaughlin gives information on SR22 Auto Insurance.

SR22 insurance is a form that your auto insurance carrier fills out for you and sends to the DMV office when your license has been revoked.  Once the DMV office receives the proof that you do have insurance and that you are covered for minimum liability, they return your license to you.

The standard requirement for having SR22 auto insurance is 3 years but this can differ from state to state and the offense severity.  If your carrier cancels your insurance before the date of termination, the carrier is required to submit a SR26 to advise the state that you are not covered by auto insurance any longer.  Not all auto insurance companies offer the SR22 option, so you will need to do some research as to which carrier will be able to assist you.

According to 90.9 WBUR, The Urban Insurance Agents of Massachusetts (A trade association) say that over the next year more than 12,000 drivers per month who mostly live in urban or inner-city areas will lose their auto insurance coverage due to auto insurance deregulation otherwise known as managed competition.

Auto insurance companies in Massachusetts are no longer required to offer auto insurance coverage to neighborhoods they consider to be high-risk such as: Brockton, Springfield, Worcester, Dorchester, and Roxbury among others.

Massachusetts Drivers who are non-renewed can shop for auto insurance through an agent, online or through their own research in the competitive Massachusetts marketplace…or through the Massachusetts Auto Insurance Program (MAIP).

More information about Massachusetts Auto Insurance, and online quotes.

“High-risk” or drivers with a checkerd driving history have always paid more for their auto insurance coverage from coast-to-coast.  However, in Maryland the upcharge for being a “bad driver” is unusually steep.

The insurer of last resort in Maryland is prohibited from allowing high-risk drivers to pay their auto insurance premiums in installments (ex. monthly) like other drivers, they must pay the entire annual premium up-front.  If they can’t afford to pay the entire year of premiums up-front ($2,500 per year on average) they must borrow money to finance the premiums.  In these cases 75% of the interest is within 5 months, in case the policy is canceled early

The system has been denounced as unfair to 70,000 low income or immigrant drivers in Maryland who are forced into this pool, after being turned down by other auto insurance companies.

About half the drivers enrolled in the pool are eventually canceled for nonpayment and more than 60% have no traffic offenses but were refused other auto insurance coverage because they lack a credit history or driving experience. Thousands are recent immigrants.

More information about Maryland auto insurance.