SR-22 Insurance Explained
An SR-22 sounds like a type of insurance, but it is really a form. Here is what it means in plain words.
What an SR-22 is
An SR-22 is a certificate your insurance company files with your state to show you carry the required minimum coverage. It is not a policy by itself. Not every state uses the SR-22 name, and a few use a similar form with different rules.
Why someone may need one
- A serious traffic violation, such as driving without insurance
- An at-fault accident while uninsured
- A court or motor vehicle office order after a suspended license
How long it usually lasts
The required time is set by your state and your case. Many people need it for a few years. Keep coverage active the whole time, because a lapse can be reported to the state and may cause new problems.
Questions to ask
- Does my state require an SR-22 or a similar form for me?
- Does this company file it, and is there a filing fee?
- What happens to my rate, and can I compare other companies?
- Do I need it if I do not own a car? Ask about non-owner coverage.
Next step
Your state motor vehicle office tells you what you must file. A licensed agent can then explain which companies accept the filing and how the options compare.
General information only, not financial, legal or insurance advice. Rules, prices and benefits vary by state and by policy. A licensed professional can explain what applies to you.