How to Obtain an SR22 Insurance Form

How to Obtain an SR22 Insurance Form

Unless you or someone you know has had to obtain SR22 insurance in the past, chances are the term is completely new to you. When the state requires you to have SR22 insurance, all the facts and details can make the process seem overwhelming. Fortunately, once you have the right information, the process is fairly straightforward. For anyone facing these requirements, here’s a breakdown of how to obtain an SR22 insurance form.

Why You Might Need SR22 Insurance

SR22 insurance is the state’s way to guarantee that risky drivers meet the minimum insurance requirements. Another common stipulation is you’ll need to reinstate your license after a DUI or other severe traffic violations. There are several reasons why you may need to file for an SR22 certificate, and they often vary from state to state. Some examples include:

  • Conviction of a DUI or DWI
  • Driving without auto insurance
  • Causing a serious accident
  • Having multiple or serious traffic violations within a short period

Different Types of SR22 Insurance

There are different types of SR22 insurance you can obtain to best fit your circumstances. If you borrow or rent a car, you can get an operator or nonowner’s certificate. If you own and drive your own car, you can acquire an owner’s certificate. If you drive your own car and a borrowed or rented one, you can get an operator/owner certificate. Depending on where you live, the state might require you to file a different certificate of financial responsibility. In Florida and Virginia, for example, they require an FR44 specifically after a DUI.

How to Get SR22 Insurance

No matter where you live, the method of how to obtain an SR22 insurance form is the same. You need to contact your auto insurance provider, so they can add it to your current policy. From there, your insurance company will file the SR22 form with the state. Some insurance providers don’t offer SR22 coverage, and policies and rates will vary from company to company. The process can seem confusing, which is why many people use an SR22 online service, such as Serenity Group. We can help you find the perfect insurance provider and policy for your specific situation.