Special Situations

SR-22 filing costs $15-50, but the real cost is high-risk premiums that can run $1,800-$5,600+ a year. Eight states don't require it at all — here's the full breakdown.

Yes — a property damage payout doesn't close out a bodily injury claim. If damages exceed your liability limits, you can be personally sued for the difference.

You have 30-90 days to update your policy after moving to a new state — and your insurer can deny a claim if they discover you moved without telling them.

Rideshare driving, moving states, uninsured motorists, and driving records all change what coverage you actually need. See what changes and what to do about it.

Penalties range from a $50 fine in North Carolina to $5,000+ in Massachusetts and West Virginia. See fines, license suspension, and impoundment rules by state.

Minor accidents affect your rate for about 3 years, major ones 5+, and DUIs 7-10 years. Your insurance record (CLUE) and DMV record aren't even the same thing.

Uber and Lyft only cover you once you accept a ride — the gap while you're logged in and waiting costs $6-$70/month to close with a rideshare endorsement.

UM/UIM coverage costs just $33-$134/year but is only mandatory in 22 states. Here's what it actually pays for and why it's worth adding even where it's optional.