{"id":1857,"date":"2014-01-30T10:27:31","date_gmt":"2014-01-30T18:27:31","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=1857"},"modified":"2022-12-23T23:27:22","modified_gmt":"2022-12-23T23:27:22","slug":"all-you-need-to-know-about-sr22s","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/all-you-need-to-know-about-sr22s\/","title":{"rendered":"All You Need to Know About SR22s"},"content":{"rendered":"

If you\u2019re required to file an SR22 insurance form<\/a>, it may have been ordered by either the court or state, and is usually required for three consecutive years. So, what the heck is an SR-22?<\/p>\n

An SR22 is not an insurance policy; it\u2019s just a form that provides proof you are carrying the minimum auto insurance required by the state. Typically, this means you are identified as part of a high-risk group<\/a>. Does this change the amount and type of car insurance you are required to carry? Absolutely not. You are only required to carry the state mandatory liability minimums.<\/p>\n

What puts me in a high-risk group?<\/strong><\/strong>
\nThere are several reasons that an SR22 may be required, including:
\n\u2022    Driving DUI<\/a> or DWI offenses
\n\u2022    Being found at-fault in an accident while driving uninsured
\n\u2022    Driving with a suspended or revoked license
\n\u2022    Several traffic infractions in a short period of time
\n\u2022    Other major moving violations such as reckless driving<\/p>\n

Because you are considered as being in a high-risk group, your insurance costs will be higher. However, if you shop around, you can usually find a reasonable rate for SR22 insurance with companies that specialize in insuring drivers with less favorable driving records.<\/p>\n

How do I file an SR22?<\/strong>
\nYou don\u2019t. The SR22 is filed with your state by your insurance company and proves that you carry the minimum liability coverage<\/a> on your car insurance policy. If you do not own a motor vehicle, you must buy “non-owners” liability coverage. If you’re not currently insured, this could cause your driving privileges to be revoked.<\/p>\n

If you cancel an insurance policy, your carrier will immediately notify the state that you are no longer covered and your SR22 form will be cancelled. If you plan to cancel your policy because you are changing insurance companies, make sure you have the new policy with an SR-22 in place before you cancel. Be aware, if you have even a one day gap in coverage, your three year time period will start all over again \u2013 you will get no credit for the time you did have proof of coverage.<\/p>\n

No double dipping<\/strong>
\nDon\u2019t make the mistake of getting an SR22 form from one company and then buying your insurance from a different company \u2013 you are not allowed to have insurance on the same car from two companies at the same time \u2013 it is against the law. The company that issues you auto insurance must also be the company that files the SR-22 document.<\/p>\n

After probation ends \u2013 SR26 filing<\/strong>
\nIf an SR22 expires or is canceled, the carrier is required to issue an SR-26 form, which confirms the cancellation of the policy. If this form is filed before your policy term and probationary period are over \u2014 suggesting you may be driving without meeting your financial obligation\u2014 the state may revoke your driving privileges.<\/p>\n

There\u2019s light at the end of the tunnel<\/strong>
\nBut, this too shall pass. You don\u2019t have to be under SR22 insurance forever. Just remind yourself to drive more responsibly, obey the traffic laws and get on the road to maintaining a good driving record \u2013 and, of course, pay your auto insurance premiums on time. You\u2019ll find, in a few years, you will likely be able to get auto insurance<\/a> without an SR22 form.<\/p>\n

Was this article helpful? Got more questions? Feel free to call 888-333-1354 to speak with one of our insurance experts about your particular needs.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019re required to file an SR22 insurance form, it may have been ordered by either the court or state, and is usually required for three consecutive years. So, what the heck is an SR-22? An SR22 is not an insurance policy; it\u2019s just a form that provides proof you are carrying the minimum auto […]<\/p>\n","protected":false},"author":1,"featured_media":6753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[707],"tags":[119,357,573,574,575],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/1857"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=1857"}],"version-history":[{"count":1,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/1857\/revisions"}],"predecessor-version":[{"id":6754,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/1857\/revisions\/6754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media\/6753"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=1857"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=1857"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=1857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}