What is SR-22 Insurance?
SR-22 insurance is not an actual insurance policy, but rather a certificate that proves you have the required minimum liability coverage mandated by your state's Department of Motor Vehicles (DMV). It's often required for high-risk drivers who have been involved in serious traffic violations, such as DUIs, reckless driving, or driving without insurance.
Who Needs SR-22 Insurance?
Typically, individuals who have had their driver's license suspended or revoked due to major infractions must file for SR-22 insurance. Some common scenarios include:
- Driving under the influence (DUI)
- Multiple traffic violations within a short period
- Driving without insurance or a valid license
How to Obtain SR-22 Insurance
To obtain SR-22 insurance, you need to contact your insurance provider. They will file the SR-22 form on your behalf with the state. Note that not all insurance companies offer SR-22 coverage, so it may be necessary to shop around. You should expect to pay a higher premium due to your high-risk status.
Duration of SR-22 Requirement
The length of time you need to maintain your SR-22 varies by state and the specifics of your violation, but it typically ranges from one to three years. Failing to maintain the requirements can result in further penalties.
Conclusion
SR-22 insurance serves as a safety net for both the driver and the public, ensuring that high-risk drivers maintain the necessary coverage to legally operate a vehicle.