WHAT IS AN SR-22?
An SR-22, or Financial Responsibility Form, is a certificate of insurance issued by an insurance company that shows proof of liability insurance to the Department of Motor Vehicle (DMV). An SR-22 is a tracking device, and the insurance company that issues the SR-22 filing will notify the DMV any time the policy cancels, or is changed. An SR-22 insurance policy is normally required for reinstatement after a license has been suspended or revoked.
If you're required to show proof of Financial Responsibility, or SR-22, to the DMV in order to have your driver's license reinstated – your insurance card or even your insurance binder is not considered proof. An SR-22 is a separate filing by an insurance company that is sent to you directly from us to be presented. This can also be done from us directly to your state’s DMV, usually the SAME DAY.
Facts about SR-22 Insurance:
- Can be purchased whether you own a vehicle or not.
- Can be purchased as a liability only policy on an auto, or liability plus full coverage (comprehensive and collision).
- In many cases, SR-22 insurance needs to be kept for a period of three years.
- Can also be applied to a motorcycle policy.
Some common reasons why you may need an SR-22 filing:
- Conviction of DUI / DWI offense
- Exceeding the maximum allowable points on your driver's license.
- Failing to provide proof of liability insurance upon demand
- Involved in an uninsured accident.
- Applying for a hardship license.
Please note: These are only a few examples for needing an SR-22 filing.
