SR22 Insurance – How to File a SR-22 Form
SR22 Insurance is not a type of car insurance policy but rather a form required by state law to be filed with the Department of Motor Vehicles / Division of Drivers Licenses to show proof of financial responsibility.
Courts define who must file a SR 22 (such as those convicted of a DUI or DWI offense) and state laws exist which also make a SR 22 filing mandatory for people convicted of certain traffic violations or involved in car accidents with no car insurance.
The SR22 form is actually filed by the car insurance company and not the policy holder. The information completed is a short list of general question specific to the car insurance policy and confirms that auto liability insurance is in good standing for the particular party.
Some of the common reasons for a driver to be required to file a SR22 are DUI or DWI convictions, involvement in a traffic accident and unable to take financial responsibility for the damages caused and other minor reasons where the court feels its appropriate to request a driver to show prove of liability insurance while having the right to use a motorized vehicle.
What States have a SR-22 form requirement?
The reasons for a driver to be required to file a SR-22 will vary from state to state however there are some states who do not use the SR 22 including:
- Delaware
- Kentucky
- Minnesota
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
Its important to note that if you are required to file a SR22 and suddenly move to one of the states listed above who do not have SR22 requirements you still must follow the law of your previous state and continue with the SR22 filing until you are told otherwise – otherwise your drivers license may be suspended.
Also be advised that very often States change requirements so wherever you live always inquire about SR22 requirements should you be involved in a car accident or a DUI / DWI case. This information is only based on internal data which may or may not be completely accurate.
Where to get a SR-22 Form?
The only place to get a SR22 form is from a licensed car insurance company who is approved to do business in your state and authorized to issue/file SR22 forms. You can not file a SR 22 form yourself – an insurance company must do so on your behalf.
Do I keep the SR 22 form in my car?
At this time, we have no knowledge of any state requiring drivers to keep a copy of the SR22 form in the vehicle. SR-22’s are commonly recorded on your driving record so if you do get stopped this information is clearly visible to any law enforcement official viewing your profile.
What Car Insurance Companies have the best SR 22 Rates?
When an individual is required to file a SR-22 form car insurance comparison is needed more than ever to find the most affordable and reliable auto insurance coverage. There is no answer to who has the best rates so shop around and compare car insurance companies today.
