If you’ve found yourself in need of an SR-22 documentation, you’ll likely have questions about it. What is it? Why do I need it? What is SR-22 insurance? Here is what you need to know:
What is an SR-22?
An SR-22 is a certificate of financial responsibility that is filed with the state’s DMV office and is typically required for some high-risk drivers. SR stands for safety responsibility. An SR-22 certificate guarantees the driver is maintaining insurance coverage that meets the state requirements for a specified time. Generally, an SR-22 is required for a minimum of three years, but the length can vary by state.
SR-22s are required for reinstatement of your license after it’s been revoked or suspended for reasons, such as a DUI or DWI, driving without insurance, a serious driving violation or accident that has caused injury, or having a lot of points on your driving record. An FR-44 is a similar certificate typically required after a DUI, but it has higher limits than an SR-22 and only exists in Virginia and Florida.
What is SR-22 Insurance?
You may hear the phrase “SR-22 Insurance.” While SR-22 signifies proof that you have insurance rather than an actual type of insurance, the phrase may still be used to describe your insurance coverage. An SR-22 will likely affect your car insurance coverage and rate.
An SR-22 places you in the category of a high-risk or non-standard driver. Some insurance companies won’t insure high-risk drivers and therefore won’t file an SR-22 for you. If you already have a car insurance policy but need SR-22 insurance, you’ll need to check with your company to see if it will file the SR-22 and continue your coverage. In some cases, you’ll be able to add an SR-22 to your existing policy but other times insurance companies won’t do it and you’ll need to find a new company.
The big question is: How much does this cost? The price of the SR-22 itself varies by state, but you’ll likely see a price hike in your SR-22 insurance coverage. Insurance companies see drivers with SR-22s as risky to insure, so your insurance company will likely raise your rates significantly. You may pay much more for SR-22 insurance coverage than if you had a standard car insurance policy.
How do I get an SR-22?
To get an SR-22, you’ll need to contact your car insurance company. The only way to get an SR-22 is through an insurance company — you can’t get it on your own.
You can still get an SR-22 to reinstate your license, even if you don’t have a car. You’ll need non-owner SR-22 insurance, which will provide you liability coverage for any car you drive, but it won’t cover damage to the car you’re driving.
If you need an SR-22, it might be time to shop for insurance. Even if your existing insurance company will allow an SR-22, you’ll likely experience a big rate increase. It may be a good idea to shop around to see if you can find a better rate. You can see who other drivers have rated as the best car insurance companies for SR-22.
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