Car Insurance

SR22 Insurance

Are you in the process of getting back your driving privileges after a suspension or revocation?  If so, then you will most likely encounter the term SR22 insurance. So, what is SR22 vehicle insurance, and how does it work?

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.

SR22 Insurance

Where Do You Get SR22 Insurance?

As mentioned earlier, the only way to obtain an SR22 form is from your current auto insurance provider. If you don’t have a car insurance policy, you will be forced to purchase one first before you can obtain the form. There is no other way of getting an SR22 form filed for you. Sometimes, your auto insurance policy provider may have the SR22 form added on your policy terms. However, if your policy provider doesn’t file the form or you are completely uninsured, you will need to find a new policy first. Keep in mind that an SR22 form is not considered an auto insurance policy. It only serves as a way of your policy provider informing the state that they are covering you for specific insurance-related circumstances.

Contact Us Today for Your SRR22 Insurance Needs

Are you looking for the best rates for SR22 insurance? Our auto insurance experts are here to help you. Call us today and let us help you through the process of reinstating your driving privileges by filing an SR22 form.

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:

  • Driving under the influence (DUI) or driving while intoxicated (DWI)
  • Driving with a suspended driver’s license
  • Driving without the minimum state-mandated auto insurance coverage
  • Reckless driving
  • At-fault accidents
You may also be forced to file an SR22 form if you have a bunch of small traffic incidents pile up under your name over time.  However, if you are a good driver who hasn’t committed any traffic violations, you don’t need to file an SR22 form to be on the road legally.

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:

  • You may need to carry an SR22 showing continuous auto insurance coverage for approximately three years. The period may be longer in some states.
  • If your policy expires or lapses during this period, your car insurance company is expected to notify the state
  • Failure to fully comply with the set terms of your SR22 may lead to immediate suspension of your driver’s license
  • Once you fulfill your state’s time requirements, your SR22 status is automatically lifted.

Do You Still Need an SR22 Even If You Don’t Own a Car?

You may still be required to file an SR22 form even if you don’t own a car. If you drive a borrowed car or rent a vehicle and get involved in an accident, you could be held liable for property damage and personal injury claims. In this case, you may need to file a non-owner SR22 policy. Furthermore, if your driving license gets suspended, you will be required to file a non-owner SR22 to reinstate your driving privileges.

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