What is SR22 Insurance?

What is SR22 Insurance?

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What is SR22 Insurance?

Last updated on August 28th, 2018 by

If you’ve never heard of it before, you’ll likely ask “what is SR22 insurance?” SR22 insurance is a high risk insurance certificate, or financial responsibility form. It’s required in most states to reinstate a driver’s license after a suspension for a traffic violation or as a result of a court order. An SR22 owner or SR22 non owner certificate will need to be filed, depending on whether you own a vehicle or not. Your state will require you to carry SR22 insurance for 3 to 5 years in most cases.

What is SR22 insurance? You may have never heard of the term unless your drivers license was ever suspended, and you needed it for license reinstatement. SR-22 is also known as AAMVA Uniform Financial Responsibility Form. It’s a document that is filed on your behalf by an insurance company authorized to do business in a particular state. Every state requires licensed drivers who own a vehicle to carry liability insurance with a minimum amount of coverage for bodily injury and property damage. The reason for this is, in case of an accident, the injured party/parties are not left to foot the bill for injury or damage caused by another driver.

There are two types of SR22 insurance for license reinstatement: an owner policy is for individuals who own a car, and a non owner policy is for those who do not own a vehicle. The states of Florida and Virginia require SR22 certificates for non-alcohol or drug related violations, and another type of certificate for DUI/DWI violations.

What is SR22 insurance and why do I need it?

There are several factors that can result in your being required to carry this type of high risk insurance. The most common is driving a car without insurance. Doing so not only puts you and your passengers at risk, but also puts other people at risk. Besides being ticketed for uninsured driving, you can end up with a license suspension. You will then go through a probationary suspension period, which can be anywhere between 30 to 90 days, assuming there were no additional violations incurred . To avoid such inconveniences as these, it’s crucial to make sure your car is insured at all times. Even if you are borrowing someone else’s vehicle, make sure to check the glove compartment for a valid up-to-date insurance card to show, in case you get pulled over. Before borrowing anyone’s vehicle, always verify two questions: 1. Do you have auto insurance? 2. Is there a valid insurance ID card in the glove compartment?

Other reasons for SR-22 insurance include court-ordered child support, accumulating too many points (tickets) on your driver’s license, driving under the influence of alcohol or drugs, driving without a license or driving with a suspended license. SR-22 insurance can be purchased whether you have a vehicle or not, and it can even be endorsed to a motorcycle policy in most states.

Don’t let your SR22 policy lapse

After license reinstatement, most states require you to keep SR22 insurance in force for 1-3 years without lapse or cancellation. The certificate is monitored by the issuing insurance provider, and must notify the state DMV immediately of a lapse or cancellation. If the policy lapses, it results in a repeat license suspension.

A common misconception we hear from people is that they don’t need to continue the insurance if they sell their car. You have to still maintain the SR22 policy without lapse for the time the state requires it. If you sell your car, you’ll need to contact your insurance provider to convert your policy from an owner-operator policy to a non owner policy with an SR-22 filing attached. Not every insurance company is capable of making this conversion if they don’t offer non owner SR22 filings. So to avoid a lapse in your required coverage, you’ll need to contact a company that can make the switch between an owner and non owner policy.

There is another issue to consider in avoiding a lapse in coverage. If your state requires you to carry SR22 insurance and you move to another state while the requirement is still in effect, you can’t simply stop making your payments after you move. Be sure to contact your agent to notify them of your change of address so you’ll stay in compliance with your SR22 requirement.

When you want to know, “What is SR22 Insurance?” call UltraCar Insurance for answers. Our agents are licensed in 34 states, and specialize in filing these certificates for individuals, automobiles, motorcycles and commercial vehicles. Get a no obligation SR22 insurance quote by phone, contact us online or start a quote right now by clicking the button above.


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