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A Comprehensive Guide to SR22 Insurance in Arizona

If you’re in Arizona and have been told you need SR22 insurance, you may be wondering what it is and how it works. SR22 insurance is a type of high-risk auto insurance that is required for individuals who have been convicted of certain driving offenses.

Arizona requires drivers to have liability insurance to cover any damages or injuries they may cause in an accident. Non owners insurance is also an option for individuals who don’t own a car but still require liability insurance. If you’re required to get SR22 insurance, you’ll need to obtain liability insurance and have your insurance company file an SR22 form with the Arizona Motor Vehicle Division.

Getting SR22 insurance online in Arizona is a straightforward process. Numerous insurance firms provide SR22 insurance online, making it easy and fast to acquire the required coverage. It’s crucial to bear in mind that SR22 insurance is generally more expensive than standard car insurance because of the increased risk associated with drivers who have committed significant driving offenses.

Keep in mind that SR22 insurance is not an insurance plan but rather a certificate that confirms you have the legally required minimum level of liability coverage. This form is filed with the Arizona Motor Vehicle Department (MVD) by your insurance company on your behalf.

So, what exactly is liability coverage? 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 liability coverage necessary is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.

When do you need to obtain SR22 insurance? If you’re convicted of certain driving offenses, such as a DUI, driving without insurance, or reckless driving, you may be required to carry SR22 insurance for a period of time. SR22 insurance may also be necessary if you are apprehended for driving with a suspended or revoked license, or if you’re 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 crucial to maintain your SR22 insurance during this period and not let it lapse, as you may face fines and even have your license revoked once more.

In conclusion, if you’re required to obtain SR22 insurance in Arizona, it’s important to understand that it’s not a type of insurance policy, but rather a form that certifies you have the required minimum amount 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 questions about SR22 insurance in Arizona or need help obtaining it, contact a reputable insurance provider or the Arizona Motor Vehicle Department (MVD) for assistance.

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