SR-22 FAQs
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SR-22 FAQs
Common questions include:
- How long do I need SR-22 coverage?
- What happens if my SR-22 lapses?
- How do I file in a new state?
What is an SR-22 and Why Do I Need It?
An SR-22 is a certificate of financial responsibility that proves you have the minimum required auto insurance. You may need it if you’ve been convicted of a DUI, reckless driving, or other serious traffic violations.
How Do I Get an SR-22?
You must request an SR-22 filing from your insurance provider. They will file it with your state’s Department of Motor Vehicles (DMV) on your behalf.
How Much Does SR-22 Insurance Cost?
The cost varies by state and insurer, but filing fees typically range from $15 to $50. However, because an SR-22 is often required after serious violations, your insurance premiums may increase significantly.
Do I Need an SR-22 if I Don’t Own a Car?
Yes, if the state requires you to carry an SR-22 but you don’t own a vehicle, you may need to purchase a non-owner SR-22 insurance policy to meet legal requirements.
How Long Do I Need to Keep an SR-22?
Most states require an SR-22 for three years, but this period can vary depending on the offense and state laws. It’s crucial to maintain continuous coverage during this time.
Can I Switch Insurance Companies While I Have an SR-22?
Yes, but you must ensure your new insurance company files an SR-22 before canceling your old policy to avoid any coverage lapses, which could lead to further penalties.
What Happens if My SR-22 Policy is Canceled or Lapses?
If your SR-22 policy lapses, your insurer is required to notify the DMV, which could result in license suspension, fines, or an extension of the SR-22 requirement.
Does SR-22 Insurance Cover My Vehicle?
An SR-22 is not a type of insurance but a form verifying that you have the minimum required liability coverage. You can choose additional coverage, such as comprehensive and collision, if needed.
How Do I Remove an SR-22 from My Record?
Once you’ve met your SR-22 requirement, your insurance company can notify the DMV to remove it. You may also need to confirm with your state’s DMV that your obligation has ended.
For more information or assistance with SR-22 filings, visit DriveGuard Insurance Services or call 888-322-3470.