An SR22 is a financial responsibility filing required by the Department of Motor Vehicles (DMV) in some states for certain drivers. The SR22 form is a certificate submitted to the DMV from the required driver’s insurance company showing proof of the liability insurance coverage held by that driver.
There are many reasons an SR22 filing may be required, such as being caught driving without insurance or after a driver is convicted of a serious traffic violation like a DUI (Driving Under the Influence). Often times a driver will need to obtain an SR22 filing along with his or her liability insurance and be sure the DMV receives the filing in order to reinstate his or her driving privileges. Usually the requirement to carry the SR22 is for a 3-5 year period. If the insured driver allows his or her insurance policy to cancel within that time period the DMV is informed and his or her driving privileges are suspended until coverage is reinstated, renewed or repurchased and a new SR22 filing is submitted to the DMV. No matter the reason for the SR22, the additional fee to add this filing to an insurance policy is often minimal. Obtaining proper insurance coverage and getting back on the right track is the best possible solution to resolving the problem and putting it in your past.
Having to show proof of coverage to the DMV for a few years is not the end of the world and certainly does not make a driver uninsurable. Contact me to find the lowest possible rate for your insurance needs, get your SR22 to the DMV and let’s get moving in the right direction today!