You may find yourself in a situation where you’re required to submit an SR22 to your state. What is an SR22, you wonder? It’s nothing fancy, just a form that states you have purchased the vehicle insurance coverage required by your state. An SR22 is also referred to as a Certificate of Financial Responsibility.
You could be required to submit an SR22 form to your state if:
- You've been convicted of a DUI or DWI offense
- Your driver's license has been suspended
- You have failed to maintain auto insurance coverage in the past
- You've committed serious driving related violations
Is there such a thing as "SR22 insurance?"
Not really. An SR22 is a certificate that your car insurance company files with your state. It's not an insurance coverage. Before you or your insurance company files your SR22 form, though, you do need to get covered. The minimum required liability auto insurance varies by state, but you must be covered in order keep your driving privileges. If you're not sure about your state's insurance requirements, give us a call or check out our state auto insurance pages.
Is an SR22 proof of insurance?
Your proof of insurance will be obtained when you provide the state with an SR22 form. You can obtain the form by contacting an auto insurance company in the state where you require insurance. The insurance company will provide you with the SR22 or they will mail it directly to the state.
Does an SR22 change if I move?
What should you do if you currently have an SR22 filed in one state but you’re moving to another state? You will need to maintain the SR22 requirements for the state where you originally filed the SR22 form AND you will need to make sure that your auto insurance policy also meets the legal minimum liability requirements of your new state. In short, give your insurance company a call and let them know what's going on. They can help you find the right answer for your situation.
Where can I get SR22 support?
At Direct Auto & Life Insurance! Call 1-877-GO-DIRECT or visit a location near you today. State laws regarding SR22 can be complicated, so getting reliable information and support from licensed insurance agents at reputable SR22 insurance companies can help you avoid the possible loss of your driving privileges. Plus, they will be able to help you find an approved cheap SR22 insurance policy.