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| How do I know if I have to have an SR22 filed? |
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vberta
New member
Joined: 09 May 2008
Posts: 1
vberta's Home Page
1.30 Dollars($)
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 Posted: Fri May 09, 2008 12:58 pm Post subject: How do I know if I have to have an SR22 filed?
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| Are there levels of infractions that do not require one? I have a customer that needs one and I am wondering how you can tell, or if you can tell during the quoting process whether or not the person will need it. |
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InsTeacher
Preferred member
Joined: 13 Aug 2007
Posts: 192
InsTeacher's Home Page
77.29 Dollars($)
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Posted: Fri May 09, 2008 5:03 pm Post subject:
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First of all, and trust me on this, the Department of Motor Vehicles will pretty much make sure that your client is aware that he will need to file an SR-22! Typically, it's not a surprise to the driver!
SR-22 filings, also called "financial responsibility" filings, are normally required when the driver is busted for a DUI or driving without insurance. Depending on the state in which you live, these requirements could vary.
Additionally, the length of time in which the SR-22 would need to be filed will vary based on the traffic offense committed.
The quoting process will not let you know anything. It may ask you if there is an SR-22 requirement within the bank of questions that must be answered on computer based apps, and this will pretty much always throw your client into a non-standard insurer.
Normally, the term associated with these filings, especially if the client was previously a preferred risk customer, is "sticker shock" with most scenarios.
Good luck and let us know if there's anything else!
InsTeacher  |
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Insurance Maze
Guide
Joined: 16 Oct 2007
Posts: 429
InsuranceMaze's Home Page
96.40 Dollars($)
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Posted: Fri May 09, 2008 5:30 pm Post subject:
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In quoting the auto insurance, the prospective insured knows, just like InsTeacher said, but he/she may not tell you. In this case your quote will be based on the information made available to you by the applicant and any additional information obtained from an MVR, if your quoting system runs MVS's during the quoting process.
If the person must have an SR-22 it's probably to show financial responsibility to a court to get a driver's license re-instated.
There is no "fool proof" way of knowing whether an applicant needs SR-22 insurance or not.
It could get by you, the agent and the insurance company, but somewhere along the line it will surface.
Maze
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http://insurancemaze.ampminsure.org
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gary
New member
Joined: 23 May 2007
Posts: 30
gary's Home Page
9.16 Dollars($)
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Posted: Sat May 17, 2008 10:33 am Post subject:
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| Your local MVD will certainly let you know. |
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