SR-22

Navigating car insurance can be challenging, particularly when dealing with terms like SR-22. Grasping the concept of SR-22 is essential for individuals looking to reinstate their driving privileges and steer clear of additional legal issues.

What Is SR-22 Insurance?

SR-22 insurance isn’t actually a type of insurance policy. Instead, it’s a certificate of financial responsibility your insurance company files with the state. This certificate verifies that you have the minimum required auto insurance coverage in your state.

Typically, an SR-22 is required for drivers who have been involved in certain traffic violations, such as DUIs, driving without insurance or other serious offenses. The SR-22 form helps ensure that these drivers maintain the necessary insurance coverage for a specified period, usually around three years.

If you need an SR-22, your insurance company can help you file the form, but keep in mind that it might result in higher insurance premiums due to the increased risk associated with your driving record.

How Can You Get an SR-22?

Filing an SR-22 form typically includes the following steps:

1. Contact your insurance company. Not all companies offer SR-22 filing, so you may need to find one that does.
2. Purchase a policy. If you don’t already have an auto insurance policy, you’ll need to purchase one that meets your state’s minimum liability coverage requirements.
3. Request the SR-22 filing. Ask your insurance company to file the SR-22 form on your behalf and to submit it directly to your state’s Department of Motor Vehicles (DMV) or equivalent agency.
4. Pay the fee. There is usually a fee for filing the SR-22, which can vary by state and insurance company.
5. Maintain coverage. You must keep the insurance policy active for the duration required by your state, typically around three years.

If you don’t own a car, you can get a nonowner SR-22 policy, which provides liability coverage when you drive a vehicle you don’t own.

Learn More

Contact Bolt Insurance today to learn more about filing an SR-22 form.