In Maryland, Am I Required to Get SR22 to Get my License Back?
Q: I need a Bowie SR22 car insurance policy, but even after a lot of looking, I’ve been unable to get one. Is the government required to help me find one since I need the Sr22 to get my driver’s license back?
A: A system is in place from the government to help you get a Bowie SR22 policy if you find yourself unable to succeed in getting one on your own, but it should be a last resort for anyone who wants a policy that is priced reasonably. Said program, which is called the state assigned risk insurance pool, has outrageous rates. One of the reasons for this is that every licensed car insurance company must participate, and you are assigned to one a random. Once you are assigned, they must insure you, no matter how high your risk, so they make up for it by charging so much.
If you want a better chance a getting a deal, avoid the assigned risk plan until you have no other options, and go looking for a company which sells policies to high risk drivers like you. Companies exist which specialize in insuring people who have flashy cars and lots of claims on record, so you want to look for your Bowie SR22 here first for lower rates, and then if they won’t insure you, you go for the assigned risk pool.
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