Where to start with your SR-22
An SR-22 is the State’s way of knowing that you have insurance by keeping in contact with your insurance company. There are two different kinds of SR-22s in the State of New Hampshire: Operator only, and Owner/operator. So which one do you choose?
“Operator Only” SR-22s in NH
An operator only SR-22 for the state of New Hampshire allows individuals that do not own any motor vehicles to obtain their license. The acquired insurance policy provides liability coverage for all non owned vehicles. There is however, no coverage allowed for physical damage to the non owned vehicle being operated under the SR-22.
Owner/Operator SR-22s in NH
An owner/operator SR-22 for NH on the other hand requires that all vehicles owned and/or operated by you, (the insured), must have at least state minimum liability coverage, (25/50/25). The SR-22 is not specific to the vehicle or vehicles that are protected under the insurance policy but instead to the insured. It is the responsibility of the individual to promptly notify Counterpoint Insurance of any changes of vehicles and drivers
What else should you know?
If you require an SR-22 in NH but do not have an owner/operator SR-22, the State of NH will suspend your ability to register any motor vehicle until such coverage is acquired.
If you are looking for a place to get started with your SR-22, contact us over at Counterpoint Insurance. We would be glad to answer any of your questions! Click here for a free Auto Quote.
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Why do I need an SR-22?
An SR-22 is a document that is shared between an Insurance company and the State of New Hampshire. The simple fact of the SR-22 is that it is a form required by the State of NH to allow you to have your driver’s license by purchasing an insurance policy. By having this insurance coverage, the financial burden of a loss to your vehicle or another person and their vehicle is transferred and placed on the insurance company
What do I need to get my SR-22 in NH?
SR-22 requirements for the State New Hampshire differ from person to person. The requirement is that person who is required to have an SR-22 must carry at least state minimum liability insurance on either a vehicle or on their license. You will need a valid insurance policy and a typed up SR-22 form that shows that you have automobile insurance and what company the coverage is with.
Where can I get an SR-22 to bring to the DMV in NH?
As a New Hampshire Insurance agent we are able to provide the Insurance required and have the ability to issue the SR-22 right from our office. After we issue the SR-22, you will be able to bring the form to the Concord, New Hampshire DMV. The State of NH will require payment of all restoration fees, and that the SR-22 be kept in their files. Only after all documents are accepted by the DMV, will the you be able to have your driving privileges restored.
Who is Counterpoint Insurance?
We are your local friendly insurance agency. We have a combined 50 years of experience taking care of our clients and we offer all lines of insurance from automobile and motorcycle insurance to Worker’s Comp and General Liability insurance. At Counterpoint Insurance we are people too, and we know that the costs associated with insurance and SR-22s can be a little disheartening, which is why we make it our priority to find you the best prices and quality for insurance in Maine, New Hampshire and Massachusetts.
Click HERE for a free auto quote.
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