Utah SR22 Insurance

Utah SR22 Insurance

Like other states, drivers in Utah require car insurance. It’s a legal requirement, and if you’re found driving without an insurance policy, you will have to deal with serious consequences – you may have to pay fines and get your license suspended. When this happens, the state authorities require you to have something to prove that you keep an insurance policy for a specific period – that’s when you need to apply for SR22 insurance Utah.

Types of SR22 Form

In case you’re asked to carry an SR22 certificate, you should get some info about the types before going any further. In total, there are three types of SR22 forms available in Utah.

  • First of all, there’s the Operator’s Certificate. You have to file this type of form in case you don’t own the vehicle you’re driving.
  • The Owner’s Certificate is another type of SR22 form available to cover the financial responsibility for a vehicle you own.
  • The third type of SR22 form is the Operators-Owners Certificate, which is designed to cover financial responsibility for all types of vehicle, whether they’re owned or non-owned by the driver.

You have to keep these types in mind at the time of searching for the best SR22 insurance in Utah. The best thing is to get in touch with an experienced insurance agent, as they are in the right position to find you the most suitable SR22 insurance Utah.

The Importance of SR22

On the face of it, the Utah SR22 insurance is to make a driver pay for a certain offense. However, the state also wants a driver to get this particular form of insurance to make sure the citizens don’t get in any problem due to a negligent or careless driver. It means that if you drive without a car insurance policy and hit someone on the road, you may or may not have enough money to compensate for your actions. This is when you’re asked to carry SR22 insurance, which is actually the minimum liability coverage – it doesn’t cover you, but it does pay for the damage done to another party.

A very important thing to keep in mind is that though the state wants a proof of financial liability, it doesn’t notify an insurance company to take an action. What it means is that it’s solely the responsibility of a driver and their insurance company to file the SR22 form. Therefore, a driver should take things seriously and get in touch with an experienced and reputable insurance company to ensure that they handle the entire filing procedure properly.

The Process of Filing for SR22 Insurance in Utah

When you find in a situation where you have to file for Utah SR22 insurance, you need to follow a proper procedure. For instance:

  • First of all, you will have to contact your insurance company and request them to file an SR22 form. It is important to keep in mind that your insurance company should be licensed by the state – they should be allowed by law to offer their insurance products and services Utah.
  • Once the insurance company receives your request, they will ask you to pay their processing fee. You should know that the cost of getting SR22 insurance car Utah is usually higher than the cost of getting a conventional car insurance policy. Moreover, the amount of this processing fee will change from company to company, which is why it makes a lot of sense to shop around before finalizing a decision.
  •  You will have to select the coverage considering the minimum amount set by the state of Utah. It is $25,000 for the death or personal injury of a person, but it goes up to $50,000 if two or more persons are injured or killed; however, the minimum coverage for property damage is $15,000.
  • Once you have fulfilled all requirements and formalities, your insurance company will send the request to the central office, as only they can file an SR22 form with Motor Vehicles division in charge of SR22. They have to submit the forms within 30 days.
  • After approval, you will receive the SR22 certificate from your insurance company. It will also include the letter of acceptance sent by the motor vehicles division.

After you have received the SR22 certification, you need to ensure that you don’t let your insurance policy lapse until you’re carry the certificate. In Utah, the time limit is 3 years – it means you need to ensure continued coverage of your vehicle for at least three years after getting the SR22 insurance car Utah.  And in case you let your insurance to lapse, it’s the responsibility of your insurance company to inform the State – this will lead to the suspension of your driver’s license.

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