SR22 FAQs: Answering Your Questions

There’s a common misconception that SR22 is a type of insurance, but it’s not. An SR22 is a proof of financial responsibility form endorsed to an insurance policy. SR22s help people who have lost their driving privileges by providing a way to reinstate their licenses. States require people to maintain an SR22 filing for three years in most cases.

Many people have never heard of SR22 or FR44 certificates before being notified that they must get one. If you’re one of those people, you probably have many questions before applying for one. The experienced professionals at UltraCar Insurance have made a list of SR22 FAQs to answer your questions and address your inquiries.

What is Full Coverage Auto Insurance?

If you’re eligible for a driver’s license, you’ve likely heard the term full coverage auto insurance. Every U.S. state requires financial responsibility in the form of liability or full coverage insurance to drive a vehicle on public roads. Therefore, you’ll probably want to get car insurance to be on the safe side.

Car insurance comes in many forms, covering different aspects. For instance, every state requires drivers to have minimum liability coverage. Liability coverage protects passengers, drivers, and pedestrians who suffer damage or injury through another driver’s fault. Those with this insurance don’t have to pay for repairs or medical care out of their pocket.

5 Questions to Ask When Getting SR-22 Insurance

The SR-22 is an insurance certificate that verifies you meet your state’s minimum car insurance requirements. Some drivers need to get SR-22 insurance from their insurance provider after a license suspension. Otherwise, they cannot legally drive on the road. Most states require drivers with DUIs or serious traffic violations to get SR-22 insurance. Typically, you’ll need SR-22 insurance following these events:

  • You have had multiple traffic violations in the last six months. These violations often include speeding and parking tickets.
  • You had a DUI or DWI conviction. For this, you’ll need a Florida Uniform Financial Responsibility Certificate FR-44 tied to a policy with coverage of 100/300/50.
  • You caused a car accident as an uninsured driver.
  • Insurance companies have deemed you a high-risk driver.

Who Are High-Risk Drivers?

You’ll often see some insurance providers offer high-risk insurance coverage policies. Insurance companies usually gear these policies toward people they designate as high-risk drivers. There’s no unanimous consensus on what constitutes high-risk drivers because the term isn’t officially a classification. As a result, one’s designation as a high-risk driver varies from carrier to carrier. However, most high-risk drivers have a few commonalities that make them riskier to insure than others.

Generally, insurance companies consider people with a checkered driving history to be high-risk drivers. Carriers may designate you as a high-risk driver if you’ve accumulated multiple tickets or been responsible for several accidents. Likewise, insurance providers also consider drivers with criminal charges, DUIs, and other similar actions high-risk drivers.