SR-22 in St. Peters, MO
Understanding auto insurance and all of its intricacies can be complex, especially when you are a high-risk driver. It’s essential to have a basic understanding of auto insurance and terms like SR-22 to maintain appropriate coverage and documentation.
What Is an SR-22?
An SR-22 is a certificate of financial responsibility. It is a form that your insurance provider would file with your state to prove you have the minimum required auto insurance coverage.
Who Needs an SR-22?
Drivers typically need an SR-22 if they are considered high-risk, such as those who have been convicted of a DUI, caught driving without insurance or involved in multiple traffic violations. The purpose of an SR-22 is to verify that high-risk drivers have and carry adequate auto insurance coverage. Once it is determined that a driver needs an SR-22, they must typically maintain it for one to three years.
Do I Need an SR-22 If I Don’t Own a Car?
If you are a high-risk driver and you don’t own a vehicle, you will still want to file an SR-22 form. However, you can get insurance specifically for this circumstance, which is referred to as a nonowner SR-22 policy. This type of policy can provide liability coverage when you drive a vehicle that you do not own. Note that nonowner policies typically do not apply to vehicles the driver has regular access to, such as a spouse’s car. In this case, the high-risk driver should be added to the vehicle owner’s policy.
Learn More
For auto insurance and SR-22 guidance near you, contact Cloverleaf Insurance.