Your SR-22 Guide
An SR-22 form is not a type of insurance. It is an endorsement to an auto policy that will help you reinstate your license by verifying that the SR-22 holder has car insurance. Let’s take an in depth view of SR=22 forms:
The certificate is filed with the state and guarantees that you have at minimum the state-mandated amount of insurance. The insurance company will ensure to the state that you have insurance coverage and will alert the state if you do not.
If an SR-22 is needed, you will be notified by the court or DMV. The notice will outline the reason why, the limits of coverage you must carry, and how long you must hold the SR-22 certificate.
Some violations that may result in an SR-22 certificate include:
- Serious alcohol violations or DUI
- Serious moving violations, such as reckless driving.
- Multiple traffic offenses within a short time
- Driving without insurance violation
- Being involved in an accident without insurance
- To reinstate your license after a revocation or suspension
Be warned! If you allow your SR-22 to cancel before the time period is over, you will need to obtain a new SR-22 form and the time will resume. A lapse may also result in another suspension being added to your record.
An SR-22 form may be required by the DMV if your license has been revoked or suspended, have had multiple traffic offenses within a short amount of time, or have been convicted of a DUI. A notice will be sent to you detailing all your requirments.
Still, you don’t have to overpay for high-risk auto insurance. New Redwood Insurance Services can help you find auto insurance with an SR-22 endorsement within your budget.