SR22 insurance form

Q: If I have insurance with an SR22 insurance form, can I still get accident forgiveness?

A: Well, every car insurance company operates differently, so it’s difficult to say. Some car insurance companies have different ideas of “accident” forgiveness–while with one it may refer exclusively to at fault accidents, with another it could refer to your first ticket or, yes, SR22 offense, so filing an SR22 insurance form may have already knocked you out of the game.

Even so, it’s a good idea to get your policy with a company which does offer accident insurance, although when filing your SR22 insurance form, you should be careful of the language this is couched behind. Some car insurance companies offer accident forgiveness for free for your first no fault accident, and that is the kind of company you want. Other companies offer accident forgiveness, but only after you have been with them for a few years and are considered to have a good record–something you might not ever reach if you change companies as rates change. What you should avoid is companies which offer you accident forgiveness for an extra charge–after how, why should you be avoiding higher premiums by…paying higher premiums?