An SR22 is a special form that some states will require following traffic violations, convictions, or other situations where a court feels you need to provide additional proof of insurance coverage. While SR22 isn't a special type of insurance, an SR22 requirement can make acquiring auto insurance a little more challenging.

These difficulties can mean that receiving an SR22 order from a court can easily lead to feelings of intimidation and confusion. Fortunately, the situation is rarely as difficult as it appears initially. If you're worried about your new SR22 order, check out these three problems you're likely to face and how you can easily overcome them.

1. Not All Insurers Provide SR22s

Although courts may require SR22s for many reasons, insurance companies typically assign all SR22 drivers to a high-risk pool. This assignment can have numerous consequences, including high premiums, limited coverage, and, in some cases, insurance companies refusing to offer coverage. Some insurers may consider other factors (such as previous driving history) when making this determination.

However, some insurers specialize in providing SR22 coverage. Even if your current insurance company will meet your SR22 requirement, it's worthwhile to investigate other insurance companies that provide more specialized coverage. A dedicated insurance agent may also be able to help since they can work with multiple insurers and find the best option for your situation.

2. Premiums May Be Higher

Higher premiums are typically the most significant difficulty faced by drivers who receive a court-ordered SR22 requirement. Since SR22 orders often follow DUIs, severe traffic violations, or other high-risk convictions, insurers will naturally tend to raise rates. Unfortunately, these higher premiums can sometimes be a difficult financial burden.

The best way to keep your premiums under control is to shop around. Your current insurer is unlikely to offer the best or lowest rates for SR22 drivers, so working with a specialized insurance agent or SR22 insurer will likely produce better results. At a minimum, it's important to receive quotes from multiple insurance companies so you can choose one that's affordable for your budget.

3. There May Be a Coverage Delay

Remember that an SR22 exists to confirm to the government that you're carrying your state's minimum liability coverage. As a result, it's crucial to avoid driving until your insurance company files this form with your state's motor vehicle department. There may be significant consequences if you are pulled over before completing this process, even if you've already purchased coverage.

There can be a significant filing delay when using an insurer unfamiliar with SR22 requirements. Working closely with your insurer is important before you resume driving. In most cases, it's best to use an insurance company that understands your state's SR22 filing process so that you can get back on the road as quickly and safely as possible.

To learn more, contact an SR22 insurance agency in your area.