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Filing the SR-22 Insurance Form

Updated on Thu, 4/28/2011

WHAT IS AN SR-22 FORM?

There are two different types of SR-22 forms:

  1. The Operator's (Non-Owner's) Certificate covers the financial responsibility in the case the motorist does not own a vehicle.
  2. The Owner's Certificate covers the financial responsibility for vehicles owned by the motorist.

WHEN IS SR-22 REQUIRED?

The SR-22 financial responsibility Insurance form is required in the following cases:

  1. If you have any safety responsibility suspensions. For example, if an uninsured driver was involved in an accident in the past but did not pay the requisite compensation then he or she needs to fill the SR-22.
  2. If you have any unsatisfied judgment suspensions. For example, if a driver involved in an accident in the past has an unsatisfactory judgment entered against him then he or she needs to fill the SR-22.
  3. In case of revocations of license.
  4. In the case of mandatory insurance supervisions.
  5. For individuals who have been classified as ‘high risk' drivers as a result of reckless driving, speeding, multiple violations and inferior driving skills.

FILING FOR THE SR-22

  1. Contact a state-authorized insurance agency to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our Arkansas auto insurance page and companies such as Esurance will allow you to request an SR-22 filing automatically.
  3. As per the State laws of Arkansas, the minimum amount of coverage should be $25,000 for one person killed or injured, $50,000 for two or more persons killed or injured and $25,000 for property damage.
  4. The agency then files the form on behalf of the applicant with the State DMV- department of Financial Responsibility. A copy of this form is also filed with the State of Arkansas.
  5. The insured receives a copy of the SR-22 insurance form along with his policy and proof of insurance cards.
  6. The SR-22 has to be maintained for a minimum period of 36 months and can go upto 5 years. However, if no additional violations are accrued over the period of 36 months then you may not be required to carry a SR-22 in the future. If the motorist does not renew it before the expiration date the agency notifies the State. The State may then suspend the driving record of the motorist until the insurance is reinstated. So it is advisable to renew the SR-22 in advance.

FOR OUT OF STATE RESIDENTS

In case you move to another state the requirements of your new state of residence will however be applicable to you. Contact your insurance company for more information.

ADDITIONAL INFORMATION