How to get SR22 insurance in Louisville?
Depending on your state, the procedure for getting an SR22 will be different significantly. However, typically, you have to contact your insurance company once you’re told that you need an SR22 form.
If your insurer does not offer this service, you’ll have to look for a different company. In case you don’t own insurance yet, you will have to buy a policy to be authorized to drive again.
Sometimes, the insurers want you to pay a six to twelve-month premium upfront.
You’ll also want to determine which type of SR22 insurance you need, the Louisville sr22 insurance provider should be able to help you decide:
- Non-owner SR22: A non-owner or operator refers to someone who does not own a car and occasionally drives one after borrowing from someone else. In such cases, the SR22 form protects the person who has the policy rather than a certain vehicle. In some states, it’s called non-driver SR22 and is essential.
- Owner SR22: As an owner, you’re someone who drives his or her own car.
- Operator/Owner SR22: Such SR22 forms are for people who own their cars and also occasionally rent or borrow a car from someone else.
Getting a SR22 Insurance certificate in Louisville
Getting SR22 insurance in Kentucky is pretty similar to the method you’d have to follow in other states. Here are the steps you need to follow.
Find An Insurance Company
When you are notified that you need an SR22 Kentucky, you should immediately get in touch with your insurer and ask them about the possible options. If your insurance company does not have this service, look for another insurer.
Pay the state fee for SR22 insurance Kentucky. Since the insurance company will file the form on your behalf, you’ll have to pay them a processing fee.
Minimum Liability Coverage
All states have different minimum liability coverages. Here are the requirements to get SR22 insurance in Kentucky:
- $40,000 for damage resulting from one accident.
- $25,000 for death or injury to one person (it can be a passenger, a pedestrian, another driver on the road, or you).
- $15,000 in property damage.
Finally, you can submit your SR22 insurance in Kentucky. When you pay your insurer, they will file your form into the state’s Office of Driver Services or related department.
Once you’ve submitted your request for Kentucky SR22 insurance, the state will review it. Then, you’ll get a confirmation letter from the state and your insurer in case the form is accepted.
Get in Touch With Us
Need help getting your SR22 insurance in Louisville, Kentucky? Our dedicated team is here to assist you. Get in touch with us now.
How do I get SR22 Insurance in Louisville if I don’t own a vehicle?
If you don’t have a car or have lost your license, you can get a non-owners SR22. Even if you don’t drive a vehicle, you should make sure your license is reinstated so that you can drive whenever you need to.
A non-owners SR22 is also a useful opportunity for people who don’t drive regularly but still want to get behind the wheel every once in a while. Moreover, it will allow you to get your license at a minimum cost.
How to get a Louisville non-owners SR22 policy?
To get a non-owners SR22 policy, you should get in touch with an insurance company that deals with high-risk plans. Although you can buy the policy online, it’s better to talk to an insurance agent to get more information about your plan.
You have to fulfill certain criteria to get a non-owner SR22 insurance policy:
- You cannot have a car or any other vehicle.
- You should not need an ignition interlock breath device.
- Even if it’s not yours, there should not be another car in the house.
- As compared to regular SR22 insurance in Kentucky, the non-owners SR22 policy is cheaper. If you want to get back on your feet, you should get this policy. It will help you get your license a good standing before you purchase a car.