SR-22 and Personal Umbrella Coverage: What to Know
SR-22 and personal umbrella coverage can help make sure you're covered for many different types of accidents. SR-22 forms prove that you meet the state's insurance requirements, while personal umbrella insurance covers you and your household. How much does SR-22 insurance cost a month? Depending on why you need an SR-22, your insurance rates could increase quite drastically.
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UPDATED: Jun 29, 2022
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- SR-22 documentation is an additional aspect of third-party liability policies, which leaves a gap in personal coverage in most cases
- Personal umbrella coverage can typically fill those gaps in coverage and offer extra peace of mind
- Knowing if an SR-22 and personal umbrella insurance policy are right for you depends on your driving history and current medical coverage policies
If you are deemed a high-risk driver, you may be required to get an SR-22 form or SR-22 insurance. These aren’t actual policies but rather a document filed by your insurance company to prove that you have the additional coverage required.
This would usually consist of third-party liability coverage, and the minimum requirements would cover damages and injuries to other people and their property. Due to this, there is a gap in personal property and personal injury coverage in most SR-22 insurance policies.
SR-22 and personal umbrella coverage can fill that gap. Cheap SR-22 insurance and personal umbrella auto insurance rates vary by location and driving history.
Get your personalized SR-22 and personal umbrella coverage insurance quote today by entering your ZIP code into our free tool above.
What is SR-22 coverage?
An SR-22 form is a document that certifies the financial responsibility required by the state. This document verifies that you are carrying at least the state-mandated amount of car insurance.
If you have an SR-22, your insurance company guarantees that you’re maintaining your auto insurance coverage and are financially responsible for any accidents that may occur.
How much does SR-22 insurance cost a month?
The usual filing fee for an SR-22 is $25, but your insurance premium will rise depending on the infraction that caused you to get an SR-22. The reason you were required to obtain the SR-22 will directly relate to how much your premiums may spike.
If you want an SR-22 and personal umbrella auto insurance company that best fits your personal needs, start with the provider you currently have and ask them about third-party medical coverage. You will likely need some form of personal medical coverage.
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What is personal umbrella coverage?
An umbrella policy is a policy that covers not just you but your household as well.
If you ever find yourself in a situation that your normal auto insurance won’t be able to cover, an umbrella coverage policy could save the day. This type of coverage can likely prevent potential financial ruin due to an unforeseeable accident.
Should I buy SR-22 and personal umbrella auto insurance?
Not all auto insurance companies will offer SR-22 policies or provide insurance to high-risk drivers. However, affordable SR-22 and personal umbrella auto insurance are available through some well-known insurance carriers.
It’s important to note that even if you don’t own a car, you may still be required to have an SR-22 certificate and insurance policy. Check with your current insurance company to find out what your specific requirements are.
For help finding SR-22 and personal umbrella coverage auto insurance rates in your area, enter your ZIP code into our free quote comparison tool below.
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