Why Is SR22 Insurance Required?

Most people don’t know what an SR22 form is until they need one, so obtaining it can be pretty intimidating. Make the process as stress-free as possible by learning more about why SR22 insurance is required, what it is, and how you can get help finding the right insurance policy for your situation.

What Is SR22 Insurance?

A state or court can mandate an SR22 certificate if you’ve caused a serious accident or had multiple traffic violations. Essentially, it’s a way for your insurance company to guarantee that you have auto insurance. This lets your state know you’ll be financially responsible for any future accidents or violations. Most states require SR22 forms in order to reinstate licenses or to prevent them from being suspended in the first place.

Why Is It Required?

SR22 insurance may be required for a few possible reasons, including:

• Conviction of a DUI or DWI
• Multiple traffic violations or tickets in a set period of time
• Driving without insurance
• Causing an accident without insurance coverage

Remember, even if you don’t own a vehicle, your DMV may still require an SR22 in order to reinstate your license after suspension.

How Long Is It Required?

The amount of time you’ll need an SR22 form varies depending on the state you live in and the offense that occurred. Terms usually range from two to five years, and maintaining your auto insurance during this time is vital. If your policy lapses, your insurance company will notify the DMV, and your license will be suspended. When you meet the required length of time, make sure your insurance company knows you no longer need it.

How Much Will It Cost?

Each insurance company and policy is different, and not all insurers offer SR22 certificates. It’s a good idea to shop around when you’re looking for SR22 insurance. The document itself isn’t expensive to file, but your insurance rates could go up because of the accident or violation that got you here.

If you need additional help with obtaining an SR22, you can turn to Serenity Insurance to learn more about insurance companies that offer SR22 insurance and to get the policy that’s right for you.