What is SR22 Vehicle Insurance?
First, we need to make it clear that SR22 is not a type of insurance policy. Instead, it is a form that auto insurance provider fills out and file to your state government to prove that you carry the minimum state-mandated auto insurance.
In most cases, you will be required to file an SR22 form after a driver’s license revocation or suspension. Your license may be suspended or revoked for different reasons, including speeding, causing accidents, or driving while intoxicated.
Therefore, if you are looking to prove that you still carry car insurance after a DUI charge, you need to talk to your provider about the SR22 form.
Where Do You Get SR22 Insurance?
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Who Needs an SR22?
Typically, you may be required to file an SR22 form if you are found guilty of committing any of the following traffic violations:
Can You Get An SR22 Form Online?
Yes. A significant number of auto insurance providers offer this service online. Therefore, if you prefer online purchases, you are fully covered. The only downside of getting the form online is that you may not know the fee (if any) until the purchase process is over. That could be a little bit tricky because the fees tend to vary significantly from state to state.
Alternatively, you can get your SR22 filed by contacting your insurance company and requesting to meet an agent. If you choose to use this route, you will immediately find out how much money you have to pay in fees. Not every auto insurance company files SR22 form.
How Long Do You Need to Have An SR22?
Typically, SR22 terms and requirements vary significantly from state to state. Here are some general guidelines to keep in mind: