If you’ve been told you need SR-22 insurance, you might be wondering what it is and why it’s required. An SR-22 is not an insurance policy but a certificate proving you have the minimum required auto insurance coverage. It’s often mandated for drivers with serious violations, like DUIs, reckless driving, or driving without insurance, to reinstate their license.
What Is SR-22 Insurance?
An SR-22 is a form filed by your insurance provider with your state’s DMV, verifying you meet the state’s minimum liability coverage. It’s typically required for high-risk drivers to ensure they remain insured for a set period, often three years.
Who Needs an SR-22?
You may need an SR-22 if you’ve:
- Been convicted of a DUI or DWI
- Driven without insurance
- Accumulated multiple traffic violations
- Caused an accident without proper coverage
Each state has specific rules, so check with your local DMV for requirements.
How to Get SR-22 Insurance
- Contact Your Insurer: Not all providers offer SR-22 filings, so confirm with yours or shop for one that does.
- Pay the Filing Fee: There’s usually a small fee (around $15-$50) for processing.
- Maintain Coverage: You must keep your policy active to avoid license suspension.
Costs and Considerations
SR-22 insurance can be more expensive due to your high-risk status, but shopping around can help you find affordable rates. Compare quotes from multiple insurers and ask about discounts to lower costs.
How Long Do You Need an SR-22?
The duration varies by state, typically ranging from 1-3 years. Continuous coverage is critical, as any lapse could reset the clock or lead to penalties.
Final Thoughts
An SR-22 might feel like a hassle, but it’s a manageable step to regain your driving privileges. Work with a reputable insurer, stay compliant, and drive safely to move past this requirement.
Aloha Insurance
📍 8753 Yates Dr, Ste 200, Westminster, CO 80031
📞 (303) 489-0889
🌐 www.alohainsuranceco.com
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Disclaimer: This blog/statement/Question & Answers… is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.