An SR22 is a certificate of insurance that is issued by an insurer to the Department of Motor Vehicles. Some state’s DMV require an SR22 from a driver to reinstate their driving privileges following an uninsured car accident or the conviction of a traffic offense like a DUI or DWI.
The SR-22 certificate is a financial responsibility certification that is sometimes required for high-risk auto insurance customers. Depending on the severity of an offense, typically drivers are required to have SR22 filings for as long as three years after acquiring it. Without it, your license may be suspended for failure to submit an SR-22 within 30 days after the state’s request for proof that you follow the state’s financial responsibility insurance requirements.
Some states do not require SR22, including Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. This list may change, so it is important to ask your local independent insurance agent to see if you need to get an SR-22 certificate.
If you have poor driving record or have been caught without valid insurance, you will need to obtain an SR22. To obtain an SR22 you must contact your local independent car insurance agent to write an SR-22 policy. Each state handles an SR-22 differently, but the certificate needs to be submitted on a Financial Responsibility Certificate from the home office of the insurance company.
There several different forms of an SR22 certificate including a operator’s certificate, which covers the motorist in operation of any non-owned vehicle; a owner’s certificate, which covers the driver for their own vehicle; and the operator-owners certificate, which covers any vehicle.
The auto insurance coverage that you purchase and is associated with the SR-22 form will be rated according to all the normal rating factors that normally go into calculating the best rate of an auto insurance policy. It is not the SR22 that will change the rate of your policy; it is the reason that you are required to have an SR-22 that will cause the spike in premium rates.
If your state requires you to file for an SR22 because of a serious offense that your car insurance company views as a high-risk factor, then you will pay more for your insurance. Your local auto insurance agent will help you acquire the SR-22 and other than a small processing fee, the SR22 will not cost you any additional money than your policy’s premium cost.
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