3 Misconceptions About SR22 Insurance

Until you need it, SR22 insurance is just another piece of insurance jargon. It’s a small note on your auto insurance application that doesn’t apply to you, so you don’t pay attention to it. Unfortunately, this lack of attention leads to a lot of misunderstandings about what SR22 is and how it works. If you need SR22 insurance after a DUI or another reckless driving charge, it’s important to find accurate, reliable information about your requirements. As you go through the process, keep an eye out for these three misconceptions about SR22 insurance.

The SR22 Is Its Own Insurance Policy

One of the most common misconceptions about SR22 insurance is the term itself: SR22 isn’t an insurance policy in and of itself; rather, it’s an add-on to an existing policy. An SR22 is more of a certificate that lets your state and DMV know you’re meeting and maintaining the minimum liability requirements on your auto insurance. As such, you need to purchase an auto insurance policy in order to obtain the required SR22 insurance.

If You Don’t Own a Car, You Don’t Need SR22 Insurance

Drivers who don’t own their own vehicles still need to meet their SR22 insurance requirements. This is why there’s a nonowner policy for individuals who need SR22 insurance but who don’t drive their own vehicles. A nonowner’s policy will ensure you’re meeting your state’s minimum liability requirements for any vehicles you rent or borrow.

You Can Cancel Your SR22 After Reinstating Your License

Many people wonder how long SR22 insurance requirements last. The answer varies from state to state, so it’s important to look into your specific situation. Even after you purchase SR22 insurance and get your license back, you need to continue to maintain your SR22 policy for as long as your state requires—usually around three years. If you cancel early or let your policy lapse, your insurance company will notify the state, which will then revoke your license once more. If this happens, you’ll have to restart your SR22 policy from the beginning.

An SR22 requirement doesn’t have to be the end of your life on the road. When you know how the process works and what you need to do to meet your requirements, you can get through this time with as little stress as possible. If you need help finding an SR22 insurance policy that’s right for you, contact Serenity Group. We’re happy to provide you with the accurate and dependable information you need about the SR22 requirements in Washington, California, or anywhere else you might need a policy. We’ll help you navigate the details so that you can focus on getting back behind the wheel.