What is SR-22 Insurance?

If you’ve been notified by the state that you need SR-22 insurance, you may be wondering what exactly that insurance is, and why you need it: 

What is SR-22 insurance?

SR-22 filing is an electronic certification that confirms a driver has insurance that meets the state’s minimum requirement. It is not actually a specific kind of insurance, but a document that is submitted to the state through the auto insurance company proving a driver’s insurance policy purchase. All states have SR-22 insurance requirements except Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania. 

What is SR-22 Insurance?Why do I need it?

If you haven’t been directly notified that you need SR-22 insurance, you don’t need to purchase it. It is usually a requirement by the state Department of Motor Vehicles or Public Safety for drivers who have been involved in accidents with no insurance, or if you’ve had excessive driving violations. The state will notify you that you are required to have SR-22 insurance. You may also need SR-22 insurance if you are considered to be a high risk driver. 

How long do I need to keep my SR-22 insurance?

There is no concrete answer for this, since it typically depends on the severity of the offense and the individual state requirement. Typically, drivers will have to carry proof of their current SR-22 for three years. If you cancel your policy before the termination date or let your policy expire, your insurance company is required to notify the state that you no longer have insurance. If this happens, your license will be suspended again, and you’ll have to resubmit another SR-22 form to regain your driving privileges.

If you move from the state that required your SR-22 filing to a state that doesn’t require the filing, you will still want to keep your proof of current SR-22 insurance with you on the road until the end of the required term in your home state. Moving does not exempt drivers from the SR-22 requirement.

Once you have obtained the proper documentation through your state, you can get back out on the road.  The Insurance Place can help you find the right insurance for your budget and your state requirements. Contact the Insurance Place today to find out more information!