The SR22 insurance is usually required in most states after a serious offense such as DUI, vehicular assault or other serious violations involving negligence or severe endangerment of other drivers or pedestrians. An SR22 Insurance is commonly confused by motorists as an actual type of car insurance. In fact, SR22 filing is simply a certificate that shows an auto insurance company?s guarantee to the Department of Motor Vehicles (DMV) that you have obtained and will maintain the legally required insurance coverage. SR22 insurance policy will act as a proof of financial responsibility if you were in an accident or convicted of a certain traffic offense. As soon as the form is filed and accepted by DMV, your license suspension will be lifted and you will be able to drive again legally. Of course, such form is not required for everyone, but if a Court has instructed you to get SR22 Insurance, you will be in most cases considered a high risk driver. Dept of motor vehicles may require an SR22 from a driver in order to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense including but not limited to the following:
  • Failure to carry liability insurance on your vehicle
  • A DUI, a DWI or an other major alcohol offense convictions
  • Serious driving violation (such as irresponsible driving)
  • Too many tickets in a short period of time.
  • Accumulating too many DMV points
  • Being termed a habitual traffic offender
  • Needing to apply for a hardship or probationary permit (while license is suspended)
  • Reinstating your license after a suspension or revocation.
  • Failure to pay child support
These conditions cause the court to mandate that the negligent driver provide proof of financial responsibility to be eligible to drive.  While the above list is an accurate description of causes that can lead to the court?s insistence upon SR22 insurance, the consequences that caused this court order of compliance are serious and are deemed by the court to protect the public. SR22 is, essentially, a way to keep track of the status of insurance, and must be filed with the State by the insurance company on your behalf affirming that auto liability insurance is in effect for you.  This can also be done from us directly to your state?s dept motor vehicle, usually the SAME DAY. You must maintain your insurance for a period of three years in order to keep the same SR22 on file. If you change insurance carriers, then you will need to file another SR22. For drivers who require SR22 documentation, but do not own vehicles, the state laws may require such drivers to obtain and provide proof of a non-owner SR22 policy to be eligible for reinstated driving privileges. Facts about SR22 Insurance:
  • Can be purchased as a liability only policy on an auto, or liability plus full coverage (comprehensive and collision).
  • In many cases, SR22 insurance needs to be kept for a period of three years.
  • Can be purchased whether you own a vehicle or not.(Non-owner Sr22 insurance)
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