SR-22 Insurance: What You Need to Know

What is an SR-22?

An SR-22 is a type of insurance certificate that proves you have the minimum required liability coverage for your vehicle. It's typically required by state DMVs after a serious traffic violation, such as a DUI or reckless driving conviction.

In most states, if you're caught driving without insurance or with insufficient coverage, you'll be required to file an SR-22 form with your state's Department of Motor Vehicles (DMV). This certificate serves as proof that you have the necessary coverage in place.

SR-22s are usually only required for a certain period, typically 3 years, after which it can be cancelled or terminated if you maintain continuous insurance coverage.

Why Do I Need SR-22 Insurance?

If you're required to file an SR-22 form, it's likely because of a serious traffic violation or other insurance-related issue. In most cases, this means you'll need to maintain high-risk insurance coverage for a certain period.

This type of insurance is typically more expensive than standard policies due to the increased risk associated with your driving history.

SR-22 insurance can be a significant financial burden, but it's essential to comply with state regulations and avoid further penalties or fines.

How to Get SR-22 Insurance

If you're required to file an SR-22 form, it's essential to work with a licensed insurance agent or broker who has experience with high-risk policies.

You'll need to provide detailed information about your driving history and any previous insurance coverage to get the best possible rates.

Don't try to go it alone – working with a professional can help you navigate the complex process of obtaining SR-22 insurance.