SR22 Insurance

An SR-22 is a form that is filed with a state department to show that you are meeting your state’s minimum auto liability insurance requirements. An SR-22 may also be referred to as a certificate of financial responsibility, or, in some states, an FR-44
What is SR-22
If you are charged with multiple traffic offenses, DUI/DWI or other serious moving violations, your state will require you to file SR-22 also known as Certificate of Financial Responsibility. SR-22 is simply a document that verifies that you have the minimum coverage on your vehicle as required by the state to drive on the road.

What is the difference between SR-22 and regular auto insurance?
All states require drivers to carry liability insurance or some form of proof of financial responsibility to ensure that they have the ability to pay for property damages or bodily injuries resulting from accidents.

However, motorists who have certain driving related incidents - such as serious or repeat traffic offenses, multiple tickets, driving under the influence (DUI/DWI), at-fault accidents - are required by Department of Motor Vehicles (DMV) to obtain “Certificate of Financial Responsibility”, commonly called “SR-22 Insurance” to be able to drive on the road.

In the state of Florida and Virginia, a similar form is called an FR44.

How can I file SR-22?
The state will notify you when you are required to file SR-22. However you can’t file it yourself. SR22 insurance form is issued only by a licensed car insurance provider who is authorized to do business in your state. You need to contact your insurance provider and check whether they can file the SR-22 form with the state DMV (Department of Motor Vehicles) on your behalf.

The insurance company by filing SR-22 on your behalf guarantees the state that:
  • You have the minimum coverage as mandated by the state to drive on the road
  • will notify the state in case you fail to maintain the minimum insurance coverage or let your insurance lapse
  • Often times, the entire process can be very daunting as not all insurance providers offer or assist in SR22 filings.

    If you need any help in filing your SR22, reach out to SR22InsuranceNow . Our executives will explain the process as well as provide all the assistance needed to file SR22 with your state DMV.
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    Who needs a SR-22?
    While every state has its own law on who and when one needs an SR-22, here are few common reasons why you might be asked to file an SR-22 by your state:
  • Caught driving under the influence (DUI) or driving while intoxicated (DWI)
  • Caught for serious or multiple repeat traffic offenses
  • License suspended due to excessive accidents or moving violations
  • Caught driving without a license or insurance
  • Operating a vehicle with a suspended license
  • Owe court-ordered child support payments
  • Applying for a hardship or probationary driving permit
  • licence suspended
    Most states require you to file an SR-22 even if you don’t own a car. In such cases you need a Non Owner SR-22 Insurance.
    How Long One Needs to Have an SR-22?
    Length of time one needs to maintain SR-22 depends on various factors including state specific law and the reason for which you are required by the state to maintain the SR-22.

    Although laws pertaining to SR-22 vary by state, in most cases the minimum duration one needs to maintain SR-22 is at least three years. As long as you pay the insurance premium in a timely manner the certificate remains valid. If you fail to pay the premium or let your insurance coverage lapse for any reason, your insurance company will notify this to the state. State may suspend your driver’s license and may require you to maintain SR-22 for a longer period of time in order to reinstate your driver’s license.

    If you need an SR-22, it's important to know when the clock starts ticking - the period of time you are required to hold the certificate might begin on the day your license was suspended or in some states, it may not begin until the date you are eligible to reinstate your license. Please refer to your state DMVs website for more accurate information.
  • It is required to show continuous SR-22 insurance coverage for at least three years (more in some states).
  • In case of lapse of expiry of your policy, the insurance company is mandated to notify the state.
  • Not following the terms of your SR-22 policy has serious repercussions, and may result in suspension of your license.
  • Once the time requirement of your state is rightly fulfilled, your SR-22 status is usually lifted.
  • For filling an SR-22, it is prudent to contact your insurer to obtain the documents for submission to your state department.
  • What are the alternatives for an SR-22?
    There are several alternatives to SR-22 that vary based on the state you live in and the severity of your violation:

    SR-21 insurance:
    An SR-21 is a document your insurer files that demonstrates you have enough coverage at the time of the incident. It's typically required after you're involved in an accident or you've received a ticket at a traffic stop.

    SR-22A insurance:
    Missouri, Georgia and Texas require an SR-22A when drivers repeatedly violate financial responsibility laws. This form requires drivers to have a policy paid in full for at least six months.

    FR-44 insurance:
    Florida and Virginia have the FR-44, also known as the SR-44, which is typically required after a DUI conviction. It's essentially the same document as the SR-22, but the driver must carry twice the standard minimum liability coverage.

    SR-50 insurance:
    The SR-50 filing is only used in Indiana. It's similar to the SR-22 which acts as a proof of coverage and allows you to get your suspended license reinstated.
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