SR-22 Insurance is a mandatory certification for drivers who have been deemed high-risk due to serious traffic violations or other driving infractions. Get a free quote by entering your zip code below!
SR-22: Auto Insurance For High Risk Drivers
SR-22 Insurance
High-risk drivers are often required to obtain an SR-22 (Safety Responsibility Form 22) from their auto insurance company to prove that they carry at least the minimum liability coverage required by their state. This form is required by your state's Department of Motor Vehicles as a way for you to prove financial responsibility.
Why is an SR-22 required?
When drivers lack responsibility or risky driving behavior, they must obtain an SR-22. If you are required to have an SR-22, you will be notified by your state's Department of Motor Vehicles or the court that requires it. By requiring an SR-22, the Department of Motor Vehicles can more closely monitor certain high-risk drivers. Reasons that you may be required to have an SR-22 include:
• Being convicted of a DUI (driving while intoxicated or under the influence of drugs)
• Multiple traffic offenses or moving violations
• Serious traffic offenses such as reckless driving or driving with a suspended license
• Multiple car accidents
• Driving without insurance
• Having a suspended driver's license
• Having a hardship license (for drivers who are granted certain driving privileges while their driver's license is still suspended)
An SR-22 can be obtained from your car insurance provider for a nominal cost. Your insurance company will file the SR-22 with your state's Department of Motor Vehicles to show that you have obtained an active car insurance policy.
Are There Different Types of SR-22s?
There are three different types of SR-22s.
• Operator's Certificate: This type of SR-22 shows that a driver has the minimum liability insurance coverage required by the state. These are typically required by a state's DMV for people who have had their driver's license suspended due to driving-related occurrences such as traffic violations or multiple accidents.
• Owner's Certificate: This type of SR-22 shows that a specific vehicle has the required liability insurance. It is typically required if a driver is involved in an accident but cannot provide proof of car insurance at the scene of the incident.
• Owner-Operator Certificate: An owner-operator certificate shows that both a specific driver and a specific vehicle have the liability insurance required by law to drive.
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Who Should Be Informed About SR-22?
When you contact a car insurance company or insurance agent, they ask if you must carry an SR-22. If you are, they will factor this into your car insurance policy and file the SR-22 with your state's DMV or the court that has required the filing. The responsibility filing will be attached to your driver's license or your vehicle. Therefore, if you are pulled over or are involved in a car accident, the police can see that you are compliant when they run your driver's license or your vehicle's identification number through their systems.
What Happens if an SR-22 Policy is Canceled?
If your auto insurance policy is canceled, your SR-22 will be canceled with it. This will trigger an immediate notification to your state's Department of Motor Vehicles or the court that has required that you carry the responsibility filing, which could result in fines or potential suspension of your driver's license.
Can I Get an SR-22 From Any Auto Insurance Company?
Every auto insurance company has the ability to file an SR-22. However, many car insurance companies will not write your car insurance due to the circumstances that created the requirement for filing in the first place, such as risky driving behavior, multiple moving violations, or multiple car accidents. A licensed insurance agent can give you a quote from the insurance provider that can offer you appropriate coverage. That insurance carrier will then file the SR-22 with your state's DMV once you purchase the policy.
Can I Get an SR-22 if I Don't Own a Car?
You can get an SR-22 even if you don't own a vehicle. If your state's DMV or court requires that you have an SR-22 but don't own a car, you can obtain an Owner Operator Certificate. This filing can be obtained through a named non-owner insurance policy, which will provide the necessary filing and ensure that you are able to reinstate your suspended driver's license once you are eligible. These insurance policies are very inexpensive because the policy is only active to show a person's financial responsibility but doesn't actually cover them to drive or to insure a specific vehicle.
SR-22 Insurance FAQs
Q: What is an SR-22 Financial Responsibility Filing?
A: An SR-22 Financial Responsibility Filing is a form that your car insurance company files with your State's DMV or the court that has required the filing to show that you carry the minimum liability coverage for your state.
Q: Why do I need an SR-22?
A: If you have been required to obtain an SR-22, it is because you have engaged in risky driving behavior or acted irresponsibly. Reasons you may be required to carry this filing include having a DUI, having multiple moving violations or accidents, and being caught driving without insurance, among other things.
Q: How can I obtain an SR-22?
A: Consult with your auto insurance carrier or agent to request an SR-22. Once you have purchased the filing, your insurance company will file the form with your state's DMV or with the court that requires proof of financial responsibility.
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