What is SR22 certificate and what could be the reasons my brother has to get it here in Massachusetts? Why does he have to pay more for his car insurance and how can he lessen that payment?

Melvin

Lowell, MA

If a driver was caught violating traffic regulations like DUI or over speeding, the state’s department of vehicle would demand that he/she gets SR22 certificate to continue driving. This works like an insurance ID, vouching that the driver has the required car insurance coverage. Unlike a typical car insurance policy, however, SR22 insurance is very expensive because it is carried by high risk drivers. If your brother has SR22 insurance, he needs to continue paying for it for the next 3 years. Failure to pay his monthly premiums can have his insurance company cancel it. To get more affordable car insurance, he can visit the Internet that has tons of cheap car insurance rate quote websites.

SR22 certificate is issued by a car insurance company to the state’s department of vehicles. This is to prove that the holder has the required minimum car insurance coverage. It should be noted that not all car insurance companies issue this kind of certificate. Those who give out SR22 insurance are likely to charge very expensive rates for it.

Drivers who have SR22 insurance should carry it every time they drive their vehicles. They should also be prompt in paying their car insurance premiums since car insurance companies can cancel it without prior notice, especially those who are not able to pay premiums on time.

Your brother can still purchase cheap car insurance with SR22 in Massachusetts if he searches the Internet. There are a lot of cheap SR22 insurance companies that can give him lower car insurance rates than those offered by general insurance companies. It also helps if he has a good credit rating when applying for cheap car insurance with SR22.

He can also try to request as much car insurance with SR22 quotes as he can get to be able to purchase one that fits his budget.

I want to know the exact coverage of sr22 auto insurance in NH and do I need to have an SR-22 Certificate?

Mike

Thank you for asking Mike.

The New Hampshire Department of Safety states that an SR-22 is a certificate of “proof of liability insurance” which must be submitted by an insurance carrier licensed to do business in New Hampshire.

The NH Division of Motor Vehicles states that the SR-22 is required for

* 3 years from the date of conviction/crash or from the date imposed by a hearings examiner.
* If convicted of a Driving While Intoxicated Second Offense, 5 years from the date of conviction.
* If convicted of a major offense in the time frame required to carry an SR-22 insurance certificate, the requirement will be extended for 3 years from the date of the major conviction.

The New Hampshire SR-22 is a certificate of proof of liability insurance and the minimum limits available for liability coverage are 25/50/25. You must have at least these minimum coverages in order to file the SR22. These limits stand for $25,000 of Bodily Injury Liability coverage per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a limit of $25,000.

Goodluck!

MariCAR