The document filed by your state for the purpose of providing the necessary prove that a car has enough insurance is usually known as the SR-22 insurance. The phrase enough insurance means that the car has met the minimum insurance coverage as outlined by the law. Alternatively, the terms SR-22 bond and the certificate of financial responsibility may also be used to refer to the SR-22 insurance. An SR-22 is basically not a type of insurance. Generally, it is an easy to get filing. One of the institutions that may order the need to have the SR-22 document is the court. With regard to the court order, a notification to have the SR-22 will be passed to a person by the judge. On the other hand, the department of the motor vehicle is the one which will pass the notification on the need to have the SR-22 document with regard to the state where one comes from.
Not everybody who will need the SR-22 document in general. The need to have the SR-22 document will therefore be necessitated by a number of reasons. For example, where one is caught driving without an insurance, the SR-22 document will be required. When one does not have a valid license, the same will apply. There are instances when one may have repeated a number of offenses for a given period of time. A good example which may apply in this case is when one has been caught due to over speeding offense a number of times. An SR-22 document will then be necessary in such a case.
The insurance company is the place where one will get the SR-22 documents. As it was earlier indicated, SR-22 is generally not a type of insurance. Obtaining a new insurance policy will not be necessary in this case if one has an already existing insurance policy. Adding an SR-22 document is what one will need to do in this case. The insurance company will then file the SR-22 document with the state or the authorities that are in need of it. Where the insurance policy never existed before, the need to obtain a policy will then be necessary.
A notification for the SR-22 requirement has to be made to the insurer up front. It is necessary for one to be careful as most of the insurance companies do not include the SR-22 document when giving the insurance policy. Therefore, one should not make step further for requesting the quotes. In this case, one may consider engaging the insurance agencies instead of engaging the insurance companies themselves.