What is a SR-22?

An SR-22 isn’t an insurance policy by itself, it’s a state-required form (“certificate of financial responsibility”) that your auto insurance company files with the DMV to prove you carry at least the minimum liability insurance required.

When do you need a SR-22?

A court or state typically mandates an SR-22 after serious driving violations or offenses. Common reasons include:

DUI/DWI convictions
Driving without insurance or a valid license
Being involved in an at-fault accident without insurance
Multiple traffic violations or reckless driving convictions
License suspension or revocation
Failure to pay court-ordered child support

How to Get an SR-22

Getting an SR-22 is generally a straightforward process, and here’s a step-by-step guide:

1. Contact Your Insurance Provider: Reach out to your existing insurance company and inquire whether they offer SR-22 filings. Not all insurance providers provide this service, so give us a call if you’re having trouble with this.

2. Pay Required Fees: There may be fees associated with filing an SR-22 form. In addition to the regular insurance premium you’ll pay, some companies charge a filing fee for submitting the form to the state.

3. Maintain Your Insurance Coverage: As long as you need to carry an SR-22, make sure your coverage remains active. If you allow your insurance to lapse or cancel it, your insurance provider will inform the state, which could lead to penalties or a license suspension.

Conclusion: Taking Control of Your Insurance Needs

Navigating the world of auto insurance can be overwhelming, especially when terms like SR-22 come into play. However, by understanding what SR-22 insurance is, when you need it, and how to obtain one, you are empowering yourself to make informed decisions about your auto insurance.

Now that you are armed with knowledge about SR-22, think about your own situation. If you find yourself needing an SR-22 or if you just want to explore your options, don’t hesitate to reach out.

Get started on your journey to secure a quote today, give us a call. Your peace of mind isn’t just an option; it's a necessity!