SR22 Insurance Requirements
SR22 Insurance Requirements and SR22 Insurance Terms Defined
An SR22 Form, SR22 Certificate or SR22 Filing is also commonly referred to as SR22 Insurance and can be required for a number of reasons, depending on state requirements. SR-22, SR22 and SR 22 are the same insurance terms, just different ways to spell it.
An SR22 Form filing is in essence an endorsement added to an auto insurance policy that notifies the insured’s motor vehicle department that you are in compliance with state minimum requirements for car insurance. The SR22 form is a certification of future proof of financial responsibility. Failure to maintain proof of future financial responsibility for the required length of time may result in a loss of driving privileges and/or vehicle registration. You may obtain an SR22 from any insurance company that is licensed to conduct business in the state and has filed with the state to offer the SR-22.
SR-22 is usually required after a ticket for driving without insurance as required by state law. SR22 forms can also be required for a variety of other reasons and the most common other reasons for SR 22 insurance requirements are for the following offenses:
- DUI – driving under the influence (alcohol or drugs)
- DWI – driving while intoxicated
- Driving without insurance
- Driving with a suspended license
- Driving without a license
- Too many tickets
- Non-appearance in court for non-driving offense
- Being drunk while riding a bicycle
- Being intoxicated with the car keys in your pocket or walking to the car with keys in hand
- Unpaid child-support
- From over-the-counter meds with alcohol in them or other prescription drugs
- Driving a lawn tractor with beer in hand while keys were in the owner’s pickup with music on
- Driving without lights during darkness
- Revoked drivers license
Insurers are required by law to report on an SR22 insured’s policy that gets canceled, expires, lapses or is otherwise non-renewed for any reason. If you do not renew and inform your motor vehicle department of new insurance, your driver’s license can be suspended due to failure to comply with the SR-22 requirements which are known as state Financial Responsibility laws.
A judge can assign an SR22 form requirement for any reason he sees fit, and once your state’s motor vehicle department receives this information, they are the ones with the power to suspend or revoke your license.
You do not need to own a car to obtain SR22 insurance. The type of policy needed would be non-owners SR22 insurance.
Should you find yourself faced with a DUI/DWI, please visit our DUI Survival Guide for helpful information. In addition, our FAQ provides additional information about SR22.
Serenity Insurance provides SR22 insurance. Other auto insurance companies are often reluctant to serve DUI and DWI offenders or High Risk clients. Filing SR22 insurance forms has always been a large part of our business. We operate in a confidential manner to preserve the dignity and privacy of our clients.
Call us toll free today to obtain SR22 insurance: 1-800-774-0520 or fill out a car insurance quote request.