SR-22 document is not needed by every driver. This document is required under the law to be filled with the state’s DMV laws as a mark that the driver has observed the minimum liability coverage for driving a vehicle.
Who are those that need the SR-22? This insurance coverage is for the category of drivers who has been convicted of a driving offense. These offenses may range from:
- DUI CONVICTION
- UNINSURED AUTO ACCIDENT
- DRIVING WITHOUT PROOF OF INSURANCE
However, OKC presently will not require a driver found guilty to fill an SR-22 form before the license is restored back. There are maximum penalties to be faced by offending drivers.
SR-22 Insurance in OKC can be very exorbitant; it is to some extent, a function of the status of the driver/the Insuring Company. If a driver has been convicted of drunk driving; such will have to exercise caution to have his/her license re-instated. The candid advice to such a driver is to take a price comparison from the leading Insurance Companies to avoid the exorbitant rates.
How do you compare these insurance charges? The fastest way is filling out an online free quote: Go here for a free quote right now. You will see all the rates and make useful comparisons towards selecting the policy that is right for you. The process saves time, money, and you can make your decision in minutes.
Presently there are three types of OKC SR-22 certificates available based on the status of the driver.
1 OKC SR-22 OPERATORS CERTIFICATE
This category is issued to drivers who are not the direct owners of the category of vehicle they have been licensed to drive.
2 OKC SR-22 OWNERS CERTIFICATE
This is a broader insurance certificate that covers the driver that drives all the vehicles that are privately owned by him/her. In some cases, the certificates are issued with the model and make of all the automobiles involved.
3 OKC OPERATORS-OWNERS CERTIFICATE
This goes a step higher than the two previously discussed. The license covers all the vehicles owned by the driver as well as other automobiles that are not owned by the driver but which the driver is permitted to drive.
The following are the expected minimum liability insurance cover in OKC. It is for private passenger vehicles. The limits are usually this: 25-50-25. The full interpretation follows thus:
- $25,000 is what any single individual gets as compensation due to injuries to the body the accident involves caused by the insured . It is called: bodily injury liability (BIL).
- $50,000 is the total cap of liability coverage the insured gets when two or more people are involved in a single accident.
- $25,000 is the cap awarded if the damage incurred by the insured involves property-it is called property damage liability (PDL).
The competition is high in this sector in OKC. You can get the best at the cheapest rates if you do not go through an exorbitant insurance carrier. Follow the advice that has been given earlier; if not sure, please go through them again for clearer understanding on how to get the best SR-22 in OKC at the cheapest rates.