SR22 Insurance Idaho
The Idaho SR22 car insurance is, of course, a type of car liability insurance, usually required by the DMV (Department Motor Vehicle) offices, as proof that you have the minimum required insurance for the state you live in, in this case Idaho.
The SR in SR22 is an abbreviation for Safety Responsibility. Usually, this type of insurance has to be maintained for a period of three years. Thus, it is a smart thing to search for a trustworthy and reliable insurer that will take care of your needs on the long run.
Usually, the SR22 insurance Idaho is required by the state if you have been labeled as a high-risk driver. You become a high-risk driver when you get suspended for DUI, for reckless driving, driving without insurance, when you have a high number of violations or many unpaid tickets. It is not exactly easy, and your insurance rates will surely go up, but you have to understand that this is the only way in which you can reinstate your driving license.
Another thing you need to understand is that this type of insurance is, practically, an agreement, a signed contract between the state in which you live and your insurance company. It is a special liability policy that proves to the state of Idaho that you are fully insured.
Given the fact that this type of insurance is required for such a long period, things can get really hairy if you do not take the time to search for a good insurance provider. Furthermore, you should always check if the companies that you think are good for you close this kind of contracts, because not all of them do.
There are a lot of websites that can give you a free estimate of what your insurance rate will be, if you simply enter the code from the area you live in. In a few seconds, you can compare prices and find the best fit for you.
Luckily, if they need aSR22 insurance car, Idaho residents can apply over the internet or with one short phone call.
In this state, the minimum insurance coverage is of:
- 25,000$ for any injury occurred to one person;
- 50,000$ for any number of people involved in an accident;
- 15,000$ for any damage brought to a property belonging to another person involved in the accident.
The first type of coverage will apply for any serious injuries incurred to other people in any accident caused by the person owner of the SR22 insurance car, Idaho legislation being very strict from this point of view. Furthermore, the insurance company will defend you in a court of law in the event that you are sued by the injured party. The last type of insurance covers the damages made to other people’s motor vehicles by the insured.
Also regarding the SR22 insurance, Idaho regulations warn that, should you lose this coverage, your insurance company will be forced by to notify the Department of Motor Vehicle. This can only bring further problems, like your driver’s license being revoked again.
To sum up, if you have your driver’s license revoked because of drunk driving, reckless driving or just because you forgot to pay a few fines and you were labeled as a bad driver, you will be required to purchase the Idaho SR22 insurance.
It should be maintained for at least three years, and, that is why, it is really important for you to search for a reliable insurance company that can cover your needs and those of your car for a long period of time.