If you've been told you need an SR-22, you might be wondering what it is and why it’s necessary. Unlike regular auto insurance, an SR-22 is not a policy but rather a certificate of financial responsibility filed by your insurer to prove you carry the required coverage.
Who Needs an SR-22?
An SR-22 is typically required for drivers who:
- Have been convicted of a DUI/DWI
- Were caught driving without insurance
- Have multiple traffic violations or at-fault accidents
- Are trying to reinstate a suspended license
How Does SR-22 Insurance Work?
- Contact Your Insurance Provider – Not all insurers offer SR-22 filings, so check with your company.
- File the SR-22 Form – Your insurer submits it to your state’s DMV.
- Maintain Coverage – If your policy lapses, your insurer must notify the state, which could lead to penalties.
How Long Do You Need an SR-22?
Most states require an SR-22 for 2-3 years, but this varies. Continuous coverage is crucial—any lapse could restart the clock.
Does SR-22 Insurance Cost More?
Since SR-22s are usually required after high-risk incidents, your premiums may increase. However, shopping around can help find affordable options.
Final Thoughts
An SR-22 isn’t permanent, but it’s essential for getting back on the road legally. If you need one, work with your insurer to file it promptly and maintain coverage to avoid further complications.
Have questions about SR-22s? Drop them in the comments! 🚗💨
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Disclaimer: This blog is for informational purposes only. For specific legal or insurance advice, consult a professional.