What is an SR-22?

An SR-22 is an auto insurance document that proves a person has met the minimum required liability coverage. It’s required by state or court order for some drivers, and is filed with the Secretary of State by your insurance company on your behalf.

Who needs an SR-22?

Individuals convicted of violations resulting in a suspension are required by most state Department of Motor Vehicles to file proof of SR-22 insurance.

What are some reasons you may need SR-22 Coverage?

  • Driving Under the Influence (DUI)/Driving While Intoxicated DWI) Convictions
  • Driving on a suspended license
  • Reckless driving
  • Driving without insurance
  • Multiple traffic infractions, such as speeding

How do I get an SR-22?

Don’t worry, we’re here to help! If you are required to obtain an SR-22, wait until you have received notice from the Secretary of State. After receipt of the mailed notice, you have 90 days to file the SR-22. Then, simply indicate to your insurance that you are a driver in need of an SR-22, and your insurance carrier will take it from there! After your insurance has filed and processed, the state will notify you.

How long do I need an SR-22?

Don’t worry, we’re here to help! If you are required to obtain an SR-22, wait until you have received notice from the Secretary of State. After receipt of the mailed notice, you have 90 days to file the SR-22. Then, simply indicate to your insurance that you are a driver in need of an SR-22, and your insurance carrier will take it from there! After your insurance has filed and processed, the state will notify you.

Are there different types of SR-22s?

  • Owner: An owner policy is required for anyone who owns the vehicle they drive and holds insurance for that vehicle
  • Non-Owner/Operator: An operator or non-owner certificate is designed for people who don’t own a vehicle but may borrow or rent a vehicle from time-to-time
  • Owner/Operator: An operator/owner form applies to drivers who own their own vehicle and borrow or rent one to drive occasionally.

How long is an SR-22 valid?

Your SR-22 is valid as long as your insurance policy is active. If your policy lapses or cancels while holding an SR-22, your insurance company is required to contact the Department of Motor Vehicles (DMV). However, making payments on time will help keep your policy from canceling and prevent an SR-26 form from being sent.

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