What is an SR22?
SR22 isn't a type of auto insurance, it’s simply a document that an auto insurance company files with the state to certify that an individual has an insurance policy in place that meets that state’s minimum liability coverage or financial responsibility requirements.
Who needs an SR22?
Each state has different car insurance coverage requirements, but typically, a court or state will require an SR22 form if:
- You've been convicted of a DUI or DWI offence
- Have failed to maintain auto insurance coverage in the past
- You've committed serious driving related violations
Once you have an SR22
Once you regain driving privileges, it’s important to keep a clean driving record. If your SR22 approved auto insurance policy is canceled, lapses or expires, your auto insurance company is required to notify the authorities in your state. At that point, your license could be suspended again or the state may take other serious actions that will limit your ability to drive.
Does it cost more to have an SR22?
In most states, there is a fee to file an SR22 that is usually around $25, but it could be higher in your state. Depending on the type of certificate of financial responsibility you need, you may be required to buy higher than the minimum liability limits so the premiums for those will be higher. Your rate will depend on your particular circumstances and will vary.
Relocating When You Have An SR22
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.
What if I let my SR22 certified insurance cancel or lapse?
Your SR22 will stay valid for as long as you keep your insurance policy in force and until you no longer have the certificate on file. If your SR22 policy cancels, lapses or expires while you are still required to carry an SR22, your insurance company is required to notify the authorities in your state. Failure to maintain your insurance coverage could cause you to lose your driving privileges again and your state may take other actions against you.
Get the SR22 support you need
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.
If you have more questions about SR22 insurance or any other of Direct's products or services, visit us at one of our locations, online at Directgeneral.com or call one of our agents at 1-877-GO-DIRECT (1-877-463-4732)