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SR-22 Insurance Basics

SR-22 is not your top of the list insurance. In fact, it is not an insurance you voluntarily picked – it becomes an obligation after you do something wrong. SR-22 is typically needed when your license is suspended and you wait reinstatement.  Find out more about this type of coverage on this blog. Also, find out how can you get car insurance online, by visiting our website and accessing our numerous guides.

can you get car insurance onlineLet’s assume that you were caught driving under the influence and your license was suspended. SR-22 filing is a necessary step in the license reinstatement process. Your state’s Department of Motor Vehicles (DMV) will tell you when you’ll need to get SR-22 insurance and for how long you’ll need to have it. Typically, you will have to carry it for three years.

Also known as a Certificate of Financial Responsibility, SR-22 insurance technically isn’t a form of insurance coverage. Rather, it’s a special proof of insurance.

It’s important to know that you cannot personally file for SR-22 insurance. You apply and pay for it through your auto insurance company, and then that company provides you with coverage. When you’re granted SR-22 insurance, your insurance company notifies your state’s DMV that your current auto insurance matches up with its mandatory liability requirements.

There are many people who would need to carry this proof of insurance. SR-22 covers people who get caught driving without insurance, without a driver’s license, with a suspended or revoked license, or with several traffic offenses in a short period of time.

SR-22 insurance will be an extra cost to your auto insurance. You’ll pay a one-time processing fee to get it. After you have SR-22 insurance, you’ll pay a higher monthly premium. SR-22 filing doesn’t cause your premiums to rise. This happens because you committed a driving infraction.

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