SR-22 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

An SR-22 is a certificate of financial responsibility that shows that you have the state mandated minimum auto liability insurance coverage to drive

What is SR-22?

Though it is commonly referred to as “SR-22 Insurance”, it is not an insurance. It is rather a form filed by your insurance provider with state licensing authorities - Department of Motor Vehicles(DMV), Bureau of Motor Vehicles(BMV) or secretary of state as applicable. This form indicates that you have the state required minimum motor liability insurance in case you are involved in an accident.

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. Further, states require 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 - to obtain “Certificate of Financial Responsibility”, commonly called “SR-22 Insurance”.

In the state of Florida and Virginia, a similar form is called an FR-44 .

When you need SR-22, your insurance company will directly file the SR-22 form with the state DMV (Department of Motor Vehicles) or with other licensing authorities on your behalf guaranteeing the state that:

  • You have the minimum coverage as mandated by the state to drive on the road
  • It will notify to the state in case you fail to maintain the minimum insurance coverage or let your insurance lapse

Get a Free, No-obligation SR22 Auto Insurance Quotes

Currently Insured

Who needs an SR22?

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

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.

How to file an SR-22?

The filling of the SR22 form is usually taken care of by the respective insurance company and not the policyholder. The form consists of questions related to the car insurance policy and affirms that the insurance policy is current and in good health.

SR22 insurance form is only issued by a licensed car insurance provider who is approved to do business in your state and authorized to file and issue SR22 forms. Often times, the entire process can be quite daunting as not all insurance providers offer or assist in SR22 filings.

If you need any help in filing your SR22, please contact SR22InsuranceNow. Our executives will explain everything about SR22 as well as provide all the assistance needed to file SR22 with your state DMV .

Get a Free, No-obligation SR22 Auto Insurance Quotes

Currently Insured

© 2021 SR22 Insurance Now | All rights reserved.