You may find yourself in a situation where you need to submit an sr22 to your state. what is an sr22?, you may ask. does it cost anything? why do you need one? This is what you need to know about an SR22 and car insurance.
what is an sr22?
an sr-22 is also called a certificate of financial responsibility. While it may sound like a fancy term, it’s simply a form that says you’ve purchased auto insurance coverage that meets your state’s requirements.
who needs an sr22?
how do you know if you need an sr22? Although each state has its own driving and insurance laws, here are some general reasons why you may need to keep a Certificate of Financial Responsibility on file:
- has been convicted of a dui or dwi felony
- Your driver’s license has been suspended
- has failed to maintain auto insurance coverage in the past
- have committed serious driving-related offenses
- keep the sr22 requirements in the state where you originally filed the sr22 form.
- file a new secondary sr22 when you become a new resident of the state you moved to.
- if your state does not use sr22, please fill out an affidavit stating that you will keep the sr22 on file in the original state.
how much does an sr22 cost?
In most states, there is a fee to file an sr22 form. the amount can vary slightly, but is usually relatively inexpensive (around $25). the amount may be higher or lower in your state. It’s also worth noting that if her insurer is required to file a certificate of financial responsibility on her behalf, she may be required to purchase more coverage than the typical liability limits where she lives. Don’t panic though, because some companies (like direct auto) will work hard to help you find affordable coverage, regardless of your driving record.
how long is sr22 valid?
Just because you have an sr-22 registered now and are viewed as a high-risk driver today doesn’t mean that will be the case forever. In most states, you must keep a registered SR-22 for three years (be sure to ask the exact duration where you live). if you drive carefully during this time, you shouldn’t have to file another one. There’s also a good chance your rates will go down in the future as you show good driving behavior.
is there such a thing as sr22 insurance?
People often use the term sr22 insurance, but it’s not really a type of coverage you can buy from an insurer. When someone mentions SR22 insurance, they’re almost certainly referring to the form your auto insurance company electronically files with your state to show you have insurance coverage that meets the minimum requirements
Before any form can be filed, however, it must be covered. The minimum required liability auto insurance varies by state, but you must comply with the laws where you live to ensure you maintain your driving privileges. If you’re not sure about your state’s insurance requirements, give us a call or check out our state auto insurance pages.
is it proof of sr22 insurance?
Your proof of insurance will be obtained when you provide the state with an sr22 form. You can get the form by contacting an auto insurance company in the state where you need the insurance. the insurance company will provide you with the sr22 or they will send it directly to the state.
does an sr22 change if i move?
If you currently have an SR22 filed in one state but will be moving to another state, the SR22 requirement will generally follow. each state is different and may have additional fees, additional insurance, or other requirements. here are some common state requirements you may need to follow depending on your state:
The best thing to do is contact your insurer, the dmv in your current state, and the dmv in your new state. A quick phone call to your insurance agent can help answer most of these questions and make sure you don’t have any gaps in coverage.
what happens if i let my sr22 insurance cancel or lapse?
Your SR22 form will remain valid as long as your insurance policy is in force and until you no longer have the certificate on file. As we mentioned before, if your SR22 policy cancels, lapses, or expires while you are still required to carry an SR22, your insurance company must notify the authorities in your state. If you don’t maintain your insurance coverage, you could lose your driving privileges again and your state could take other action against you. it is always better to keep the sr22 for the required period of time.
where can i get support for sr22?
in direct auto insurance! call 1-877-go-direct or visit a location near you today. State laws regarding an SR-22 can be complicated, so getting reliable information and support from licensed insurance agents at reputable SR-22 insurance companies can help you avoid the potential loss of your driving privileges. In addition, they will be able to help you find an approved cheap SR-22 insurance policy. your sr22 auto insurance company is here to help.
