Has your automobile insurance recently lapsed? Are you wondering if you’ll ever be able to get coverage again? You may be wondering what an SR22 is and whether you’ll need to get one.
Don’t sweat it! We’ll tackle that in this article.
Here, we’ll give you the lowdown on what is an SR-22, who needs one, and how to get one. So keep reading.
What Is an SR-22 Insurance?
An SR-22 also called a financial responsibility certificate is a document, on file with your car insurance company, proving you have car insurance coverage required by your state.
An SR-22 typically is required when your car insurance policy has lapsed or if you have been convicted of a DUI or other serious traffic violation. SR-22 insurance generally is more expensive than a standard car insurance policy. When you have an SR-22 on file, your insurance company is required to notify the state if your policy cancels or lapses.
Who Needs an SR-22 Insurance
SR22 insurance is required by law in some states for certain drivers. It is typically required for drivers who have been convicted of DUI or other serious traffic offenses.
If you are required to carry SR22 insurance, it is important to make sure that you keep your policy in force at all times. If your policy lapses, you could face serious penalties, including the loss of your driver’s license.
How to Get an SR22
To get an SR22, you need to purchase car insurance from a company that offers SR22 insurance. You will also need to provide the company with proof of financial responsibility, which may include a copy of your driver’s license, proof of insurance, and/or a certified copy of your driving record. Check out this website to learn more about getting an SR22.
An SR22 is Required – What Happens if You Don’t Have an SR22
If you don’t have an SR22, you may be subject to several penalties. Your insurance rates may increase, you may be required to file an SR22 form with the DMV, and you may be subject to a license suspension.
If you are required to file an SR22, you’ll need to maintain it for a set period, usually three years. Failure to maintain it could result in your license being suspended again.
An SR22 Expires – When Do You Renew It?
Most states require an SR-22 to be on file for three years, though this may be more or less depending on your state and situation. If you cancel your insurance during this time or let your policy lapse, your insurance company will notify the DMV and your license may be suspended.
Understanding SR-22 and If You Need It
So what is an SR-22? If you’ve been caught driving without insurance, you may be required to get an SR22. SR22 is a document that proves you have car insurance. It’s typically required if you’ve been caught driving without insurance, had your license suspended, or have been in an at-fault accident.
If you’re not sure if you need an SR22, talk to your car insurance company. They can help you figure out if you need one and how to get one.
If you found this article helpful, be sure to read our related content.
