SR22 insurance is a type of liability policy offered by auto insurance companies for drivers in need of such certification for license suspension requirements. An SR22 filing is usually required by most states for motorists with a DUI conviction on their driving record. An SR-22 form must be carried at all times for three to five years, depending on a driver's state laws about the type of infraction committed. Learn more about how the SR-22 policy works and how to acquire it in the following sections:
- Who needs SR-22 insurance?
- Reinstating driving privileges with SR-22.
- Lapses in SR-22 insurance payments.
- How to get SR-22 insurance.
Who needs SR-22 insurance?
A driver without car insurance involved in a traffic accident may be required to carry SR22 proof for a set time after the violation occurs. SR-22 insurance is usually a stipulation for drivers with a suspended or revoked license and who are utilizing a form of restricted license privilege. An auto insurance agency will often provide an SR22 filing for motorists serving a conviction for DUI/DWI charges and who have kept limited driving privileges. Repeat traffic offenders also need an SR-22 policy in most states.
Some states, such as Florida, have other types of liability insurance. FL drivers may be required to file for an FR-44 form for a DUI conviction. Georgia calls for either SR-22 insurance or an SR-22A filing, depending on the type of conviction on record.
Note: States that do not require an SR-22 form on file are Oklahoma, Pennsylvania, New Mexico, North Carolina, Kentucky, Delaware and Minnesota. If driving outside of the aforementioned states, an SR 22 insurance certificate may be required for motorists of those states with qualifying violations in other states on their driving records.
Reinstating Driving Privileges with SR-22
Drivers must submit a filing with their auto insurance company for SR22 certification so as to restore a driver's license validity. Reinstating suspended drivers license privileges requires motorists to comply with the SR-22 insurance conditions, which includes containing the following information on hand while operating a motor vehicle:
- Name, address and date of birth.
- Drivers license number.
- Social Security Number.
- Vehicle make, model and year.
- Auto insurance policy number.
Every state's laws differ, but SR-22 insurance must comply with the necessary amount of minimum coverage in order for a motorist to be allowed to drive with the policy.
Lapses in SR-22 Insurance Payments
Motorists must pay the SR22 insurance cost for every year they must carry the credentials while driving. Failure to pay the required price may lead to an extended suspension or loss of driving privileges altogether. In Connecticut, an SR22 filing may be required for out-of-state drivers who commit a moving violation that results in serious repercussions in that state, otherwise, suspension of driver privileges may be enacted in the driver's home state. Comparing SR22 insurance quotes can help a driver find the best policy that falls in line with his or her financial situation.
How to Get SR-22 Insurance
The process for SR-22 filing starts with contacting your vehicle insurance company for the application and requesting authorized personnel to sign and date the document. You must pay the fee your auto insurance agency requires for instating the SR-22 policy. Cheap SR22 insurance can be found by comparing quotes from various insurance companies. In California, the SR22 form must specify if the motorist requires a broad coverage policy, which dictates financial responsibility for any vehicle a liable driver may operate, regardless of ownership.
A non owner SR22 insurance option is also available for motorists who drive a vehicle that is not owned under their name. Often referred to as an operator's certificate in most states, such an SR-22 form must be carried at all times by the driver of the car he or she operates but does not own. The state of Montana categorizes SR-22 insurance credentials as operator's certificate, owner's certificate and operator-owner's certificate, so as to differentiate between the types of vehicle operation.
Depending on the state you reside in, you may be required to bring in a copy of proof of your SR22 credentials to a motor vehicle department office or other government institution. For example, a copy of your SR-22 form is needed by the Department of Financial Responsibility in the state of Arkansas for the policy to take place.