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What is an SR22? 

Essentially, an SR22 is a certificate that provides proof of your coverage by insurance. It is filed by your insurance provider with your state's Department of Motor Vehicles upon your request. If you are required to have an SR22, usually you must maintain it for three to six years consecutively. An SR22 should not be confused with an SR1 form which is used to report a collision. An SR1P is quite similar to an SR22 except that it reports insurance coverage for vehicles with less than four wheels (i.e. a motorcycle or moped). 

The filing of an SR22 is used by a state's Department of Motor Vehicles in order to monitor the fact that a motorist is maintaining proper vehicle insurance coverage for the required filing period. The SR22 serves as proof that a driver possesses an active insurance policy. If a motorist should fail to pay his or her premiums, his or her insurance provider can terminate his or her policy and terminate the validity of the SR22 by filing a form known as a SR26. 

SR22's are most commonly required by states to be filed for a motorist who has been convicted of driving under the influence of alcohol. These motorists are more likely to commit the same actions again, so the state mandates that they have coverage at all times. However, the other circumstances that can require the filing of this form include license suspensions, insurance violations, or other various major convictions. Not all states will require a motorist to file this form so it may behoove you to educate yourself about your state's requirements. If you have fallen under one of those violation categories though, you will likely have to maintain the SR22. It may be best just to have it anyways in the event that you will need proof of the insurance.  

Obtaining an SR22 is relatively inexpensive on your behalf. You must file a request with your insurance provider to issue this form for you. Most carriers will offer you an opportunity to get the SR22, but there are a few that don't. If you insurance provider does not offer this service, you may want to investigate a new company to work with, especially if you have undergone some sort of violation or you are at risk of doing so in the future.

The most effective way to gain new insurance service is to go online and practice some price comparison. This will allow you to find a company with affordable rates who will be willing to accommodate your needs. All you have to do is enter a little information on a site and you can instantly obtain quotes from a variety of insurance providers to fit your coverage requests. You can locate the least expensive plan for your policy, and then you can contact the company issuing that plan to inquire on the gathering of an SR22. If they do not issue such a document, move on to the next one on your list until you find the perfect provider to work with.  

 

 

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