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SR-22 Forms & Nonowner's Insurance

An SR-22 form is not a type of insurance. It is an endorsement to an auto or nonowner's policy that will help you reinstate your license by verifying that the SR-22 holder has the car insurance with state-mandated coverages. The insurance company will notify the state that you have insurance coverage and will also 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 and how long you must hold the SR-22 certificate. An SR-22 is commonly needed for three consecutive years, but may vary based on your circumstance. The start date may also be different; beginning when the offense occurred, suspension or revocation date, or when you reinstate your license. If you allow your SR-22 to cancel before the time period is over, you will need to obtain a new SR-22. A lapse may also result in another suspension being added to your record. You may still need an SR-22 even if you don't have a car. In that case, you may need a nonowner's policy. The licensed agents at New Redwood Insurance Services have access to a library of companies that will get you back on the road faster. 

Reason For a Non Owner's

Frequently Renting Cars 
Frequently Borrow Cars
Frequent Car-Sharing Service User
Temporarily Without A Car
Required By Court

Frequently Asked SR-22/ Nonowner's Questions

What is an SR-22?

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.

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.

Why would I need an SR-22?

An SR-22 form may be required for many circumstances. If an SR-22 is needed, you will be notified by the court or DMV. The notice will outline the reason why 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

How long will I need an SR-22 on file?

An SR-22 is commonly needed for three consecutive years, but may vary based on your circumstance. The duration of time will be outlined in the notice that you receive by the court or DMV. The start date may also be different; beginning when the offense occurred, suspension or revocation date, or when you reinstated your license. 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.