SR22 Insurance: What You Need to Know

What is SR22 Insurance?

SR22 insurance, also known as a certificate of financial responsibility, is a type of insurance that proves you have the minimum amount of liability coverage required by your state. It's typically used to reinstate or maintain your driver's license after it has been suspended or revoked due to a traffic violation or other serious offense.

SR22 insurance is not actually a type of insurance policy, but rather a certificate that verifies you have the necessary coverage. This certification is usually required by states for drivers who have had their licenses suspended or revoked due to a DUI, reckless driving, or other serious offenses.

Why Do I Need SR22 Insurance?

If your driver's license has been suspended or revoked due to a serious offense, you may be required by the state to obtain an SR22 insurance certificate. This is usually the case if you've had a DUI, reckless driving, or other serious traffic violation.

In some cases, SR22 insurance may also be required for drivers who have failed to provide proof of insurance or have been involved in an accident without adequate coverage.

How to Get an SR22 Insurance Certificate

To get an SR22 insurance certificate, you'll need to contact your auto insurance provider or purchase a new policy that meets the state's minimum coverage requirements. You can then submit this certification to the DMV to reinstate your license.

Keep in mind that SR22 insurance is usually more expensive than regular insurance policies due to the higher risk associated with drivers who have had their licenses suspended or revoked.