What Is the Purpose of SR-22 Insurance?

If you’ve heard of SR-22 insurance, you might have questions about what it is and why it’s required. SR-22 insurance isn’t actually a type of auto insurance—rather, it’s a form required by the state to prove your car insurance meets the minimum required coverage regulations. Also known as a Certificate of Financial Responsibility, the SR-22 form may be required if you are convicted of certain driving offenses.

Contact your agent immediately if you receive notice that you must file SR-22. Not every insurer provides SR-22-compliant insurance for higher-risk drivers. Contact AMCO Gulf LLC in Houston, Texas, to learn more about your auto insurance options.

Understanding SR-22 Requirements

The SR-22 form may be required for individuals who have been involved in certain types of driving-related incidents that indicate a higher level of risk, including driving while intoxicated (DWI) or driving under the influence (DUI), getting into an accident without insurance or being involved in multiple accidents.

For individuals whose license has been suspended or revoked, filing the SR-22 form may be required to reinstate driving privileges.

The amount of time you must keep an SR-22 form on file may vary but typically lasts several years. Failure to maintain adequate coverage in force can result in further penalties and extensions of your driving restrictions.

How to Get SR-22 Compliant Insurance

If you’re required to file SR-22, the process typically involves contacting your insurance provider. They file the necessary paperwork with your state’s DMV on your behalf and may charge a fee. Remember that not all insurance companies offer SR-22-compliant coverage for drivers classified as high-risk, so you may need to shop around for a provider.

If you have a car loan or lease, your lienholder typically requires full coverage insurance, which can increase the price of your premiums.

Contact Us

SR-22 filing proves that the insured driver has at least enough coverage to meet the state’s minimum auto liability coverage requirements. If you need to file an SR-22 form, it’s essential to understand the requirements in your state and work with an insurance provider who can assist you in meeting these obligations.

Contact AMCO Gulf LLC to get SR-22-compliant auto insurance at a favorable rate. Our agents can help ensure the form is filed on time and that you have appropriate car insurance coverage.

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.