CM SR22 Insurance Group

Will having an SR22 affect my insurance rates?

Yes, with a lot of companies-but not with us. In most cases, simply having an SR-22 filing on your policy will have no effect on your car insurance premium at Dairyland Insurance.

What are the different types of SR 22 certificates?

SR22 insurance is available in three varieties:

Operator: An Operator’s Certificate is intended for drivers who borrow or rent a car but do not own a vehicle of their own.
This is sometimes used in conjunction with a non-owner automobile insurance policy.

Owner: An Owner’s Form is intended for people who own and operate their own automobile.

Owner and Operator: An Operator and Owner Form is a hybrid form that applies to those who own their own car but who also borrow or rent a car from time to time to use for work or pleasure.

Can I get an SR-22 if I don’t have access to a vehicle in West Columbia SC?

In the event that you don’t own a vehicle, you can obtain SR22 insurance through our non-owner auto insurance policy. Non owner car insurance protects you in the event that you are found to be at fault in an accident while driving a vehicle that does not belong to you or that you do not control. Damages above and beyond what might be covered by the car’s primary insurance are covered by this secondary coverage, which is provided by the insurance company.

Is it necessary to have an SR 22 in my state?

For drivers, each state has its own SR-22 insurance requirements, which are subject to change.
If you have any questions about these requirements, we recommend that you contact the Department of Insurance in your state.

What is the difference between the SR22 and the FR44?

On the basis of your driving record, a FR 44 may be required in Florida and Virginia in some instances instead of an SR-22 in other states.

The FR-44 is a document of financial responsibility, similar to an SR 22, that demonstrates that you have automobile insurance.
An FR 44, on the other hand, may require you to have liability coverage limits that are significantly higher than the state minimum.

While the length of time required for a FR44 may vary, it is typically three years in length.
An FR 44 policy cannot be cancelled because it is prohibited by law.

What is a certificate of financial responsibility (CFR) and why do you need one?

A certificate of financial responsibility, also known as SR22 insurance, is a document that certifies that you have met the minimum car insurance requirements in your state for a specified period of time.

We can assist you if you have any questions about SR-22 insurance.

We invite you to contact us at (855) 698-0461, and one of our licenced representatives will be happy to assist and guide you through the process.