How to Get an SR-22 Insurance

An SR-22 is not a type of insurance, but a form your auto insurer files with your state to prove you have the minimum required liability coverage. It’s often called a “certificate of financial responsibility,” and it’s typically required after certain driving violations.

Who Needs an SR-22?

You might need an SR-22 if your driving record includes serious infractions. These can include:

• DUI or DWI convictions

• Reckless driving

• Driving without insurance

• Accumulating several traffic violations in a short period

• Having your license suspended or revoked

Sometimes, a court or your state’s Department of Motor Vehicles (DMV) will notify you directly that you need to file one of these documents.

Not everyone who gets into a traffic incident will need an SR-22. It’s usually reserved for high-risk drivers due to past behavior. If unsure, your DMV or court documents will spell it out clearly.

How Do I File for an SR-22?

The first step is to contact your auto insurance provider. Not all companies offer SR-22 filings, so you may need to shop around if your current insurer doesn’t handle them. Once you find a provider that does, let them know you need an SR-22. They’ll add it to your policy and file the form with your state on your behalf.

There’s usually a small filing fee, but the bigger cost comes from higher premiums. Because SR-22s are linked to high-risk drivers, your insurance rates may increase. The certificate typically must stay on file for about three years, though this can vary by state and situation.

It’s important to keep your policy active during this time. If your coverage lapses, your insurer must notify the state, which could lead to penalties such as fines and license suspension.

Learn More

With the right information and a bit of planning, you can handle getting an SR-22 smoothly. Contact Amco Insurance Texas City today for more guidance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.