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What is an SR 22?

An SR-22 is a certificate that is offered by your insurance provider to provide proof to a regional or state Department of Motor Vehicles that you have car insurance. If you happen upon a situation in which you are required to produce and SR-22, you must usually have one kept on file with your local DMV for three years. The main goal of maintaining an SR-22 with the government is to allow them to monitor and regulate a driver regarding whether or not she or he maintains automobile insurance for his or her vehicles. If you are required to have this document, your insurance company must conduct the filing with the Department of Motor Vehicles for you. The SR-22 provides evidence that you are complying with a state's vehicle insurance laws. Generally, this document must be updated every thirty days. If a motorist defaults on paying his or her insurance premiums, the insurance company will revoke the policy and they will petition for the removal of the SR-22 by filing a document known as an SR-26. 

It should be noted that an SR-1P, which should not be mistaken for the SR1 form that is used to report accidents, acts in a manner similar to that of an SR-22. The primary differentiation between the two is that an SR-1P is issued for vehicles that possess less than four wheels (i.e. a motorcycle or a scooter). 

The filing of an SR-22 by your insurance company is not required in most states. There are a few states, like California, that require an SR-22 to be on file for each motorist at all times. If an insurance company reports a breach in the required coverage for a vehicle, the state's Department of Motor Vehicles can suspend the vehicle's registration and tags. However, most states require the filing of an SR-22 only in the event that you have committed a serious offense. This list of offenses includes acts like major traffic convictions, license suspensions, and repeated lack of insurance violations. Major traffic convictions can include being convicted of driving under the influence of alcohol and drugs or being convicted of reckless driving.  

The filing of an SR-22 requires little to no work on your part. The only action you are required to take is to ask your insurance provider to issue the document for you and send it to your local Department of Motor Vehicles. Generally, there is a ten dollar fee each month for an insurance company to keep an SR-22 on file for you. This fee may vary by insurance company. If you do not have an insurance company or your current company does not offer SR-22 filings, it may be time to seek an insurance provider who will offer this service. By comparing vehicle insurances rates online, it will be a simple process to find an insurance provider who meets your needs at an affordable rate. There can be negative consequences for you if you neglect your duty to file an SR-22 form. Get started today.

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