What Is SR-22 Insurance
An SR22 is a certificate your insurance company provides that proves you carry your state’s minimum requirement of liability insurance.
While many people believe SR22 is insurance coverage itself, it’s the documentation that proves you are insured to drive. Almost every state requires an SR22, or Safety Responsibility, a certificate for high-risk drivers. Some states, such as Florida and Virginia, refer to the certification as FR44.
Once you have an insurance policy that meets your state’s requirements, your insurance provider will electronically file your SR22 certificate with your state’s Department of Motor Vehicles (or equivalent such as BPS, DPS, DoR). Once this certificate is on file, the DMV will reinstate your license, and you can start driving again.
Who Needs an SR-22?
While every state has laws about SR22 requirements, you will likely need an SR22 if you have been arrested or found guilty of any of the following:
- DUI or DWI
- Failing to provide proof of auto insurance
- Incurring an excessive number of traffic tickets
- Having unsatisfied judgments
- Falsifying insurance documents
- Involuntary or voluntary manslaughter
- Operating a vehicle with a suspended license
To regain your driving privileges, you must have an SR22 on file with the DMV.
How long do you need an SR22?
Most states require drivers to have an SR22 on file for three years, although some state laws vary. The certificate stays valid as long as you pay your insurance premiums in full and on time. If your insurance coverage lapses, you may be required to maintain an SR22 certificate for a longer period of time, depending on the offense.
If you fail to pay your premiums, your insurance policy will be canceled, and your insurance provider will notify the DMV that your coverage has lapsed. At this point, your driver’s license will likely be suspended again. To reinstate your license, you will be required to pay your overdue insurance premiums and your insurance provider will refile your SR22 with the DMV. Once your insurance provider refiles the SR22, you will need to visit your local DMV to pay a reinstatement fee and regain driving privileges.
Breathe Easy will contact you once your SR22 certification is about to expire