SR-22 Insurance – What Is It? 

SR-22 insurance is not a type of insurance but rather a certificate proving you have the minimum liability coverage required by your state. This certificate is often required for drivers who have been involved in certain traffic violations, such as driving under the influence, reckless driving or driving without insurance.

The requirement for an SR-22 certificate typically arises after a major traffic violation or a series of smaller infractions. It acts as a guarantee to the state that you are maintaining the required level of financial responsibility. Without this certificate, you may be unable to reinstate your driver’s license or register your vehicle.

How SR-22 Insurance Works

When you are required to obtain an SR-22 certificate, your insurance company will file the form with the Department of Motor Vehicles (DMV) on your behalf. This process usually involves an additional fee, and your insurance premiums may increase due to the higher risk associated with your driving record. The SR-22 requirement usually lasts for a specified period, often three years, but this can vary depending on the state and the severity of the offense.

During the period you are required to have an SR-22, it is crucial to maintain continuous coverage. If your policy lapses or is canceled, your insurance company must notify the DMV, which could result in the suspension of your driver’s license. Therefore, staying on top of your payments and keeping your policy active is essential.

Contact Us

Contact Cinco Seguros to learn more about SR-22 insurance requirements and get a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.