SR-22 Filings Explained
An SR-22 isn't insurance. It's a certificate your insurer files with the state to prove you carry required coverage, often after serious violations. Here's how it works and how long it lasts.
An SR-22 is a certificate of financial responsibility that an insurer files with a state's motor vehicle agency to show that a driver carries at least the required auto liability coverage. It's not a type of insurance; it's proof of insurance that some states require after certain violations. A few states use a similar form with a different name.
When it's commonly required
- Driving without insurance.
- Serious violations, such as driving under the influence.
- License suspension or revocation.
- Multiple violations in a short period.
- Unpaid judgments from accidents.
Requirements vary by state and by court or agency order.
How it works
- State requires it. Usually after a violation or suspension.
- Get coverage. From an insurer that files SR-22s in your state.
- Insurer files. The certificate goes to the state; a filing fee may apply.
- Keep it continuous. For the required period, often several years.
- Lapse reported. If coverage lapses, the insurer notifies the state, which can suspend your license.
Costs
The filing fee itself is usually modest. The larger cost is the higher premium that often comes with the violation that triggered the requirement.
Non-owner SR-22
People who don't own a car but need to reinstate a license can sometimes buy a non-owner policy with an SR-22 filing.
Moving states
If you move, you generally still have to satisfy the original state's requirement for the required period. Ask both states' agencies and your insurer.
The takeaway
An SR-22 is proof of insurance, not insurance itself. Keep coverage continuous for the full required period, because a lapse is reported to the state.
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