What is an SR-22?

What Does SR-22 Insurance Cover?

An SR-22 isn’t an insurance policy. It is a form your insurance company files with the state on your behalf, verifying that you carry the required liability insurance coverage. States typically require an SR-22 after serious driving offenses, including the following:

• DUI/DWI (driving under the influence/driving while impaired)
• Reckless driving
• Driving without insurance
• Multiple traffic violations

The primary purpose of SR-22 insurance is to ensure you have liability coverage, which may help protect you financially if you cause an accident resulting in bodily injury or property damage to others. Most states require a minimum level of liability insurance, which the SR-22 form confirms.

Additional SR-22 Considerations

While the SR-22 is primarily about proving liability coverage, it’s essential to consider the following:

• Additional coverage options—While SR-22 proves you have liability coverage, you can also consider additional coverage like collision and comprehensive insurance. These options may help cover damage to your vehicle and losses due to theft or natural disasters.
• Duration of SR-22 requirement—The length of time you need to maintain an SR-22 can vary by state and the nature of your offense. It’s typically required for one to three years. Failing to maintain the SR-22 can lead to penalties, including license suspension.
• Higher premiums—Having an SR-22 requirement often results in higher insurance premiums because it indicates a higher risk to insurers. Shop around to find the best rates.

Contact Us

If you’ve received notice that you must file an SR-22, contact AMCO Gulf LLC in Houston, TX. Our agents can help you get SR-22-compliant car insurance coverage at favorable rates.