If you have been convicted of a traffic-related offense, including a DWI (Driving While Intoxicated) or DUI (Driving Under the Influence), you may be required to get an SR-22 from your insurance company. Another situation where an SR-22 may be required is when you have been involved in an accident and were not able to provide proof of insurance.
The SR-22 is a form issued by your Virginia auto insurance company and filed with the Department of Motor Vehicles (DMV). It serves as proof that you have car insurance coverage in place. If your coverage is cancelled or revoked for any reason, the insurance company is required to report this fact to the DMV. Your registration will be revoked in that instance.
Not all car insurance companies will issue an SR-22. When you are looking for Virginia auto insurance coverage and you need this document, start with your current provider first. If that company refuses to issue one, you may need to look to a company that provides coverage to higher-risk drivers.
Simply because you need an SR-22 form, it doesn’t mean that you shouldn’t shop around to get the best rates for your personal situation. Coverage rates vary, depending on the company, and taking the time to compare quotes from different providers can help you save money.