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SR-22 Form

What is the SR-22?

Though commonly referred to as a type of insurance, SR-22 is actually an abbreviation for "state responsibility form number 22," a form your insurance carrier sends to your state’s Department of Motor Vehicles to show that you are currently adequately insured. It is meant to act as a bond of financial responsibility in which your insurance carrier vouches that you have at least the minimum amount of insurance coverage required by state law.

Why do I need an SR-22?

This form is usually required by the state for any driver who is deemed to be high risk by the DMV. A high risk designation is typically made after some type of infraction, be it an auto accident when not insured, a DWI or DUI, license suspension or revocation, or multiple at-fault accidents or infractions in a short period.

How do I get an SR-22 and how long do I need to keep it?

Once you are required to get an SR-22 by the DMV, all you need to do is call your insurance carrier to have them file the form on your behalf. You will be responsible for maintaining the SR-22 for as long as your state law requires, but normally you are only obligated to 2-3 years.

What happens if I cancel my insurance coverage?

If you have any lapse in coverage while the SR-22 requirement is still in force, your insurance carrier is required to notify the DMV, which will likely lead to your license being suspended.

What is the cost of an SR-22?

There is usually a small fee (less than $50) for your insurance to file the SR-22. Outside of the filing fee, there is normally no other effect on your insurance premium prices solely because of an SR-22 filing, however the infractions leading to the SR-22 obligation will be included in the rating factors that determine your premiums.