In the state of Minnesota, if you have been convicted of severe traffic violations such as a DUI, you must have SR-22 insurance. Different from a typical insurance policy, an SR-22 is a form filed by your insurer on your behalf proving that your auto policy meets the state’s minimum requirements. If you believe you need SR-22 insurance, contact your Abbott Insurance Agency, LLC agent to get started with coverage.
What Is SR-22 Insurance?
Though it is commonly referred to as “insurance,” an SR-22 is not an insurance policy but rather a certificate proving you have adequate coverage. Generally, an SR-22 is only a requirement after a severe driving offense such as:
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DUI
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Driving without insurance coverage
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Reckless driving
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Driving with a suspended license
An SR-22 is typically not required for minor violations such as a speeding ticket or at-fault accident.
How Do You Get SR-22 Insurance?
To get an SR-22, you need to request one from your insurance carrier. A form will then be filed by your insurer on your behalf to provide proof that you have enough liability coverage to meet the state’s minimum requirement. The requirements in Minnesota to meet a state minimum include:
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$30,000 bodily injury liability coverage per person
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$60,000 bodily injury liability coverage per accident
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$10,000 property damage liability coverage per accident
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$25,000 uninsured/underinsured motorist coverage per person
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$50,000 uninsured/underinsured motorist coverage per accident
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$40,000 personal injury protection
SR-22 insurance can be expensive, depending on the violation. The filing of the SR-22 insurance form is typically a fee of around $25, but the violations you face can raise your insurance premiums significantly. Your court will determine how long you need to carry an SR-22, but the typical requirement is three years.
Learn More About SR-22 Insurance
At Abbott Insurance Agency, LLC, we’re here to help you navigate your insurance options, even the most difficult ones. If you need SR-22 insurance, contact your agent today to learn more and get started.
