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SR 22 Insurance

What’s an SR 22 Insurance?

An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. The SR22 simply states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

Is SR22, SR-22, SR 22, SR22 form  same?

Yes, all of the above refer to SR-22 car insurance.

Do I need an SR 22 Insurance?

You may need SR22 coverage if you have one of the following driving violations 

  • DUI or DWI
  • Reckless driving
  • At-fault accidents
  • Driving without insurance coverage
  • Driving with a suspended license

Is an SR-22 considered car insurance?

An SR 22 means you’re meeting your state’s car insurance minimum requirements for driving and is NOT car insurance itself. 

What do I need to do to get SR-22 insurance?

In general, simply indicating you’re a driver in need of an SR 22 filing when purchasing your policy is enough. You’ll need to provide your driver’s license number or other identification number to file with your state.  

How long does an SR 22 last?

Depends on your state’s requirements. Please check according to your state requirement.

What if my policy cancels?

If your SR-22 lapses, your Insurance company contacts the Department of Motor Vehicles (DMV). This could result in loss of your driver’s license or, depending on your state of residence, other consequences. Making payments on time will help prevent an SR26 from being sent to the state. An SR26 cancels the SR22.

What types of SR 22 certificates are there?

There are three types of SR22 insurance:

  • Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is sometimes used with a non-owner car insurance policy
  • Owner: An Owner’s Form is for those who own and drive their own car.
  • Operator/Owner: An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrow or rent one to drive occasionally.

Can I get an SR-22 if I don’t own a car?

Yes. You can get SR22 insurance if you don’t own a vehicle with our non-owner car insurance policy.

Does my state require an SR 22?

Each state has its own SR-22 coverage requirements for drivers, which are subject to change.

SR22 vs. FR44: What’s the difference? 

In Florida and Virginia, in some cases an FR 44 may be required instead of an SR-22, based on your driving record. Similar to an SR 22, the FR-44 is a document of financial responsibility proving that you carry car insurance. However, an FR 44 may require your liability coverage limits to be significantly higher than the state minimum.

What is a certificate of financial responsibility (CFR)?

A certificate of financial responsibility is another term for SR22 insurance, showing that you’re meeting your state’s minimum car insurance requirements for a specified amount of time.

Source: dairyland