An SR-22 insurance form is a document that is sometimes required by the Department of Motor Vehicles. It provides proof that an individual has at least the minimum level of state-mandated liability insurance in place.
An SR-22 may be required after a person has his or her license reinstated after being charged with a DUI (Driving Under the Influence) offense. It may also be required if an individual has had a lapse in his or her insurance coverage.
Once an SR-22 has been issued, the policyholder must usually keep it in place for three years. A person who has a driver’s license but doesn’t own a car must get a non-owner’s SR-22.
Needing an SR-22 puts a driver in a higher risk category for at least the three years that they need to have it in place. Not all insurance companies will issue one, but it’s a good idea to check with the current or previous insurer first. If that company is unable or unwilling to issue one of these documents, then it’s time to get quotes from other insurance providers to get the best possible price.
Some companies specialize in providing coverage for higher risk drivers, and this type of company may be the best bet for customers who must have an SR-22 in order to register their vehicle.