SR-22 is similar to auto insurance in that it shows proof of financial responsibility in the event you are involved in a car accident. This certificate proves that you meet your state’s minimum requirements for liability coverage on your auto insurance policy. Once you obtain it, it is posted to your driving record, where it will stay for as long as you are required to have it, typically around three years.
SR-22 insurance is required for those who have had their driver’s license suspended due to DUIs and other moving violations. It can be challenging to find an insurer who will provide you with auto coverage. Because of this, you will need to obtain an SR-22 certificate before you can drive again.
What Does SR-22 Mean?
SR-22 is named after the form you submit to your state’s Department of Motor Vehicles to show that you meet your state’s minimum auto liability insurance requirements. SR stands for “safety responsibility.” An SR-22 is also known as a certificate of financial responsibility.
Who Needs SR-22 Insurance?
What’s SR-22 insurance for? It is generally required for those convicted of certain moving violations. They include drivers who:
- Have been caught driving without a license
- Have caused an accident without providing proof of insurance
- Have a DUI or DWI conviction
- Have a suspended license due to multiple accidents or moving violations
- Have incurred numerous repeat driving offenses (such as traffic tickets) within a span of several months
Even if you don’t own a vehicle, you may still be required to have SR-22 insurance. In this case, you can purchase a non-owner SR-22 insurance policy. This policy provides the same coverage as a regular SR-22 insurance policy; it just covers you in the event you need to borrow a car to drive.
Now that you know what SR-22 insurance is and what it does, you can be prepared if you or a family member gets a driver’s license suspended or revoked.