Basics of SR-22 Insurance

An SR-22 is a form that is filed with a state department to show that you are meeting your state’s minimum auto liability insurance requirements. An SR-22 may also be referred to as a certificate of financial responsibility, or, in some states, an FR-44

Who needs an SR22?

SR-22 certificate is required for the following convictions:

• When the driver is caught under the influence of drugs or intoxicants
• When the driver is caught for serious and/or repeat traffic offenses
• When the driver is caught and is an at-fault accident with no insurance
• When the driver’s license is suspended or revoked

How long do you need to have SR22 insurance?

SR-22 terms and timelines vary by state to state, but the following are some general guidelines for reference:

• It is required to show continuous SR-22 insurance coverage for at least three years (more in some states).
• In case of lapse of expiry of your policy, the insurance company is mandated to notify the state.
• Not following the terms of your SR-22 policy has serious repercussions, and may result in suspension of your license.
• Once the time requirement of your state is rightly fulfilled, your SR-22 status is usually lifted.
• For filling an SR-22, it is prudent to contact your insurer to obtain the documents for submission to your state department.