What Is an SR-22?

SR-22 is a form that specific drivers must file with their state’s Department of Motor Vehicles (DMV) to prove that their auto insurance meets the state’s minimum requirements. “SR-22 insurance” is a term that often confuses drivers, as it is not an insurance type.

Contact your agent immediately if you receive notice that you must file an SR-22. At GreenLite Insurance Agency LLC, we specialize in helping drivers get appropriate auto insurance coverage at a favorable rate. Contact us today for personalized auto insurance quotes.

What Is an SR-22?

An SR-22 is a certificate of financial responsibility verifying that a driver has the required minimum liability insurance coverage. It is often required for drivers involved in serious traffic violations or with a history of driving without insurance.

When Is SR-22 Insurance Required?

SR-22 insurance is typically mandated for drivers who fall into one or more of the following categories:

• Driving without insurance—Your state may require you to file an SR-22 to prove future financial responsibility.
• Driving under the influence (DUI) or driving while intoxicated (DWI) convictions—Drivers convicted of DUI or DWI typically face SR-22 requirements as part of their license reinstatement process.
• Reckless driving—Being involved in a serious traffic violation, such as reckless driving, may lead to an SR-22 filing mandate.
• Accumulation of points on your driving record—If you are involved in accidents or have numerous moving violations within a specific timeframe, the DMV may require an SR-22 filing.

How Do You File an SR-22?

Only drivers who receive notice that they must file SR-22 have to notify their insurers and file the form. Not all insurers offer SR-22 filings, so you may need to find a new insurer specializing in high-risk policies.

In most states, your insurance company will submit the SR-22 form to the DMV on your behalf. The processing time may vary depending on your state, but it is crucial to file it promptly to avoid further penalties or a license suspension.

If you must file an SR-22, your insurance costs may increase. In most states, drivers must maintain continuous SR-22 coverage for a specific period, usually between one and three years, without any lapses or cancellations. Failure to do so could result in additional penalties or the suspension of your driving privileges.

Contact Us

The team at GreenLite Insurance Agency LLC is ready to help you navigate the process of securing appropriate auto insurance when you must file an SR-22. Contact us today to compare car insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.