If you have recently tried to re-instate your license and are told that you need to file for SR-22 insurance in Iowa; you may be wondering if you really need it and how you get it. Before filing for SR-22 insurance, it’s important to understand what SR-22 is and what it provides for you.
What is Iowa SR-22 Insurance?
First of all, it’s important to under The “SR” in SR-22 actually stands for “safety responsibility.” This is because SR-22 is a type of vehicle liability insurance document that lets the state know that a driver possesses valid automotive insurance. The SR-22 certificate must be filed through the Iowa DOT by an insurance company. Should the SR-22 policy be cancelled for any reason such as non-payment, the insurance company is then required to notify the Iowa DOT.
Do You Really Need SR-22?
SR-22 is not a form of auto insurance that just anyone chooses to have. As SR-22 insurance denotes a high risk driver, it is almost required when a driver tries to reinstate their license an SR-22 is required after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that has resulted in a suspension. The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR-22 is cancelled and an SR-26 is filed with the DMV.
How Do I Get SR-22 Insurance in Iowa?
SR-22 certificates are filed directly with the state of Iowa by insurance companies authorized to conduct business in the state. Drivers who need to carry SR-22 insurance should contact their insurance agents and request to have proof of financial responsibility filed on their behalves. To file, insurance agents must include information such as court case numbers, dates, and other identifying information.
If you would like more information regarding SR-22 insurance, or are in need of an auto quote with SR-22 filing you may contact PDCM Insurance by phone at (800) 373-2821 toll free, or email pdcm@pdcm.com.
SR22 Insurance in Iowa by PDCM Insurance
