SR-22: Things You Should Know

If you have been caught driving without auto liability insurance, cited for driving under the influence (DUI) or reckless driving, involved in an accident without auto insurance, cited for three moving violations in just one year, or issued a license suspension or revocation, then you would probably be required by a court to carry an SR-22 filing.

An SR-22, also referred to as a certificate of insurance or a financial responsibility filing, is a actually form which your car liability insurance provider will send to your state’s Department of Motor Vehicles (DMV) to inform them that you already have the required insurance coverage. If your license has been suspended or revoked, then only an SR-22 can immediately lift the suspension or revocation, restoring your driving privileges in the process.

For drivers who have been caught driving without insurance or who have been determined to be at-fault in an accident while driving without insurance, the first thing they will need to do if they have been required to carry an SR-22 filing is purchase a car insurance policy; those who already have insurance, on the other hand, but whose license has been suspended or revoked will just need to add the SR-22 filing in their policy.

Besides having to pay an SR-22 filing fee (filing fee varies by state, though the cost usually falls between $15 and $25), being required to file it means you are, according to insurance companies, a “high risk” driver and being tagged as such, the cost of your insurance policy will be higher than “non-high risk” drivers. This SR-22 needs to be carried for three years, unless a judge decides to extend it to five years (this is typically the case for those charged with DUI). In the event of a lapse in insurance payment or if you decide to cancel your insurance coverage while you carry an SR-22 filing, then your car insurance provider will have to perform its legal obligation of notifying your state’s DMV about the cancellation of your insurance coverage; this will result to the cancellation of your license again.

To avoid getting required to carry an SR-22 filing and so save yourself from paying a filing fee and higher premiums for three (or five) years, there are three things you should do:

  • Never drink and drive;
  • Always drive safely; and,
  • Make sure you are insured or can show proof of financial responsibility

If you fail in any of these three “avoidance strategies,” and find yourself getting to file an SR-22, then probably the best way in filing it is through the help of an independent car insurance company.

According to Abel Law Firm, some independent car insurance companies provide clients with free online insurance quotes which will help them compare insurance/SR-22 deals and prices. Besides being fast and easy, client can do these comfortably in their home. They can even purchase an insurance policy or file an SR-22 online, allowing them to be insured or SR-2 certified on the spot.