SR-22 Insurance

Q: What is SR-22 insurance?

Answer:

SR-22 insurance is used differently in different states, so it is difficult to give a specific answer to this question. An SR-22 insurance policy is generally a motor vehicle liability insurance policy required for reinstatement after your drivers license has been suspended or revoked. SR-22 insurance is uniquely suited for these situations, because it requires the insurance company to notify the department of motor vehicles if the policy is canceled, terminated, or lapses. If any of these things happen, your license will typically be suspended until the policy is brought current or reinstated. Under the laws of most states, you must carry SR-22 insurance for a certain period (often three years) after the end of your suspension or revocation.

If you need an SR-22 policy, you'll have to do some research, because not all insurers offer SR-22 insurance. You may need to find an insurance company that specialized in high-risk drivers. Once you have purchased the insurance, you have to provide proof of SR-22 insurance to the department of motor vehicles before your license will be reinstated. Some states require you to present a copy of your SR-22 binder (or your application for the binder), while other states have an SR-22 form that can be used as a substitute for the actual insurance binder.

In some states, SR-22 is used strictly in DUI cases, but this is not always true. Some states also require SR-22 insurance to prevent license revocation or suspension in certain cases--for example, if you have an uninsured accident or you get several tickets in a short period of time.

Back to Frequently Asked Questions for Auto Insurance

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