Sometimes people have misconceptions about SR-22 insurance. A high-risk insurance certificate does not take the place of auto insurance. It’s a financial responsibility form that guarantees you meet your state’s minimum insurance coverage for license reinstatement. Your auto insurance policy backs up the SR-22 certificate you file with your state DMV.
Most drivers carrying high-risk SR-22 insurance have higher insurance premiums because their driving histories indicate they are more likely to submit claims.
