The question, “What is SR-22 auto insurance coverage?” is a common one, especially for people who have been placed in the high-risk category for coverage purposes. SR-22 is not a type of auto insurance coverage; it is a document which confirms that a driver has auto insurance coverage in place.
If a driver’s license has been suspended or revoked, here she may need to obtain an SR 22 policy to have privileges reinstated. The SR-22 will need to remain in place for a certain number of years following the incident. The exact time the SR 22 must remain in place depends on the state where the incident occurred. In many states, the minimum amount of time an SR-22 must remain on file is three years.
Other Offenses Where SR-22 Auto Insurance Coverage May be Required
Other situations where a SR-22 auto insurance coverage may be required to include:
- Driving without insurance and being involved in an at-fault accident
- DUI (Driving Under the Influence) or DWI (Driving While Impaired) charge
- Serious moving violations
- Getting several traffic tickets in a short amount of time
SR-22 and Continuous Auto Insurance Coverage
Under the terms of the SR-22 order, a driver is required to have auto insurance coverage in place. The SR-22 form is filed with the state Department of Motor Vehicles (DMV) by the insurance company which issued the policy. If the drivers auto insurance coverage lapses due to non-payment or is cancelled by the driver or the insurance provider, the company must inform the DMV of the change immediately.
The DMV will sent a letter to the driver asking him or her to provide proof of auto insurance coverage. If the driver does not have insurance in place or fails to respond to the letter within a certain amount of time, his or her license will be revoked.
SR-22 Auto Insurance Coverage and Moving to Another State
Drivers who are required to carry SR-22 coverage in one state who want to move to another one are required to keep it in place for the time directed by their home state. If the original order is to keep the SR-22 in place for three years, this rule applies even if the new state has different rules for drivers who need SR-22 auto insurance coverage.
How to Find SR-22 Auto Insurance Coverage
Not all auto insurance companies will write a policy for driver who needs an SR-22. Since drivers in this category are considered higher risk, the driver will likely need to seek coverage from an insurance company which specializes in serving this niche market.
Someone who is looking for this type of coverage can go online and conduct a search specifically for auto insurance companies which provide SR 22 policies. It is a good idea to get quotes from more than one provider before making a decision, since pricing for this type of policy can vary between companies.