Q: What’s ST. Louis SR-22 car insurance?

A: ST. Louis SR-22 car insurance is like the scary movie of car insurance. So, when you find out you have to get it, you have to ask yourself: will I be the moron who goes down to the basement while there’s a serial killer on the loose and say, “Is that you, Billy?”, or will I be the smart person who gets the gun and runs like the wind? Because the key thing that most people know about SR22s is that they cost money–but you can just lay back and let them charge you, or you can do something about it and come out alive.

Let me get into specifics about SR22. ST. Louis SR-22 car insurance isn’t so much a type of car insurance as it is an additional service your company does for you–they file an SR22 form with your DMV. The SR22 form is proof of financial responsibility. You need this because, for some reason or another, you have had your license suspended, and you can’t get it back until you have car insurance. But, since the DMV doesn’t want you driving without insurance for a few years (three for most offenses) while you earn back their trust, they need to be in communication with your car insurance company so they know you’re insured. If you decide not to pay your premium, then the car insurance company can tattle on you by sending another form in (SR-26), and you lose your license again.