What You Need To Know About SR22 Insurance

Insurance Blog

Drivers with multiple moving infractions, DUI/DWI convictions, and generally poor driving records still need to drive. If you are one of them, you understand. You still need to work, get to school, and live your life. However, you can't drive without insurance. This is where SR22 insurance comes in. 

SR22 insurance is a little-known but very important form of insurance, particularly for those with poor driving records. Here's more information about what SR22 insurance is, who needs it, and how to get started.

What is SR22 Insurance?

SR22 insurance is a form of liability insurance that provides additional protection for drivers. It is typically required by the state when a driver's license has been suspended due to certain traffic violations or multiple DUI/DWI convictions. It shows proof that you have the minimum liability coverage required by law in your state.

Who Needs SR22 Insurance?

This type of insurance is often required for drivers convicted of serious offenses such as driving without auto insurance, reckless driving, or drunk driving. It can also be necessary if you are caught driving with a suspended license or have too many points on your driver's license. The requirements and amounts vary by state, so it's important to check with your state's department of motor vehicles (DMV) for specific details about SR22 insurance requirements in your area.

It is important to note that most driving infractions drop off your record after a period of time, depending on the severity. Each state has different rules. You can segue back to a traditional insurance policy as your record returns to normal.

How Do You Get Started With SR22 Insurance?

The first step in getting started with SR22 insurance is to contact an auto insurer that offers this coverage option. They will provide you with the necessary paperwork and help you understand the process from start to finish. Be sure to ask your insurance agent about any special considerations you may need, such as filing fees or other costs associated with obtaining this type of coverage. Once the paperwork has been completed, the agent will file it electronically with the state to apply for an SR-22 certificate confirming you have met their minimum liability requirements.

Getting an SR-22 certificate can be complicated, but understanding what it is and why you need it can make things easier. By taking these steps and obtaining SR22 insurance, you will comply with all the legal requirements to keep you on the road and living your life.


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