SR-22 Insurance: What You Need to Know

Auto insurance policies differ in terms of nuances and requirements, meaning that not everyone is subject to the same regulations. Some motorists are obligated to carry what is known as an SR-22 form alongside their auto insurance policy. At Cloverleaf Insurance, our staff can help you understand the ins and outs of SR-22s and assist in fulfilling related requirements.

What Is an SR-22?

SR-22s are forms filed with your state’s Department of Motor Vehicles (DMV) that prove you comply with relevant auto insurance laws. Although “SR-22 insurance” may be a common phrase, these documents, also known as certificates of financial responsibility, are not, in fact, a form of insurance themselves. Rather, they serve as formal proof that you’ve retained appropriate coverage. Given that SR-22s typically indicate higher-risk drivers, you’ll likely have to pay more for your auto insurance.

Who Needs an SR-22?

If you’ve been involved in certain incidents and are considered a particularly risky driver, a court or state may order you to procure an SR-22 form. Specifically, you may need to carry one if the following apply to you:

• Driving without a valid driver’s license

• Driving without enough insurance

• Having a DUI or DWI conviction

• Having many at-fault accidents or violations on your record

• Committing several offenses in a brief period

• Failing to pay child support

How long you’re required to maintain an SR-22 may depend on where you live and the reason the mandate was imposed on you. Regardless, if you fail to comply or your auto insurance lapses during this period, your carrier is required to notify the DMV and you may face fines and other penalties.

How to Get an SR-22

A qualified insurance company can help you satisfy SR-22 requirements by adding it to your policy and filing the form with your local DMV.

Contact Cloverleaf Insurance in St. Peters, Missouri, today to learn more about auto coverage and SR-22s.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.