What You Need to Know About SR22 Insurance

SR22 insurance is not necessarily the type of auto insurance that drivers will want to possess, considering it is a type of insurance that drivers are ordered by court to carry around with them after they’ve been in an uninsured car accident or have been convicted of a DUI. This vehicle liability insurance document is required by most states to prove that a particular individual possesses the minimum liability insurance coverage in order to be able to drive a vehicle.

The DMV in any particular state will let the person know if they require SR22 insurance. If so, the insurance provider will have to file an SR22 form with the state on that person’s behalf. The insurance company will send the SR22 form to the state’s DMV office, proving that acceptable SR22 motor vehicle liability insurance has been provided, and is currently in effect.

When Do Drivers Require SR22 Insurance Coverage?

Driver’s who have been in the following situations will probably have to file an SR22 insurance form:

  • Caught driving without a license
  • Getting into a motor vehicle accident while uninsured
  • Convicted of a DUI
  • Convicted of hitting and injuring another person as a result of driving while intoxicated and uninsured

Many insurance companies consider SR22 coverage plans as high-risk insurance for drivers with a poor driving history. This type of insurance considers the fact that the person purchasing it is a high-risk client that simply needs to prove that they are properly insured to operate a motor vehicle.

What Is the Purpose of an SR22?

When your license has been taken away after being revoked or suspended for any reason, an SR22 certificate will have to be filed in order to allow you to continue to legally operate a motor vehicle. Certificates are issued by insurance companies to verify to the state that you possess auto insurance with the minimum liability limits. This SR22 will need to be held and carried with you until the state tells you otherwise. In general, these insurance certificates may be required to be held for 3 years for failing to have auto insurance, and up to 5 years for being convicted of a DUI.

Certain states do not have SR-22 insurance requirements, such as:

  • Delaware
  • Kentucky
  • Minnesota
  • New York
  • North Carolina
  • New Mexico
  • Oklahoma
  • Pennsylvania

What Happens at the End of the SR22 Term?

If an individual maintains good standing and is able to remain free of any further violations, most of the time further SR22 forms will not have to be filed with the state. Thus, they will no longer need to prove to the state that they are insured with an SR22, and won’t have to be subjected to the higher insurance premiums. If the SR22 is canceled, expires or is not renewed for whatever reason, the state requires that the insurance company notify the authorities immediately.

Although carrying around an SR22 insurance is not the ideal, it does provide an individual a chance to continue driving despite their past convictions, and gives them a chance to redeem themselves by becoming responsible drivers.