What is SR-22?

What is SR-22?

SR-22 is a form required to be filled according to your state’s policy showing that you have the minimum auto liability. The SR-22 might also be referred to as a financial responsibility certificate.

People may mistake it for SR-22 insurance. SR-22 however is not insurance but a simple document given by your insurance company showing you have liability covered on your car insurance policy.

Who needs an SR-22 certificate?

Every state doesn’t require the same SR-22. The law for SR-22 varies from state to state, typically drivers might need to file an SR-22 form with their insurance company according to state if they have:

  • The sentence for driving while intoxicated or under the influence
  • Repetitive and serious traffic offenses
  • Being the reason for an accident without being insured
  • License revocation or suspension

Due to the nature of SR-22, additional charges are added to auto insurance.

For how long is SR-22 required?

SR-22 terms and requirements differ from state to state, but you can remember these to help you out:

  • You are required to have SR-22 coverage for at least three years
  • If your coverage expires during this time, your insurer must let the state know about it
  • Denying the terms of SR-22 might result in the suspension of your license
  • Once you complete the time required, the SR-22 status will be lifted

Do I still need to file an SR-22 even if I don’t own a car?

You are needed to get SR-22 even if you are not a car owner. Driving a rented or borrowed car you might get into an accident and hold accountable for the damage caused or personal injury. You will be required to buy a non-owner SR-22 policy for the above-mentioned reason, you might also need one if you get your license suspended.

If you need to comply with SR-22, contact your insurance company to file the documents according to the state’s requirement.

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