What is an SR-22?
SR stands for safety responsibility. The SR-22 is a form filed by your insurance company directly to the state. You’ll only need one if the state has a reason to require you to file evidence of insurance coverage beyond its usual requirements. The SR-22 may be required to reintstate driving privileges after an uninsured accident or conviction, such as a DUI. The form is filed electronically, but not all insurance companies do it instantly. It’s important to have auto insurance in place, and you should know how long it will take to get the SR-22 to the state (and process it) before you go down to DMV to get your license back.
Expensive SR-22 insurance is a common myth, but that’s not necessarily the case.
If you try to get a State Farm SR-22 or an Allstate SR-22, you’ll find that it’s incredibly expensive. On the other hand, Effective Coverage works with many different carriers and has a fit for nearly everyone. We can give you a Progressive SR-22 or an SR-22 from The General in a matter of minutes. We understand this is a difficult time in your life and that you want to get the paperwork taken care of quickly so you can go about the business of living.
Did you know there’s also something called an SR-26?
This is what the insurance company files with the state when your coverage is no longer in force. For all intents and purposes, it amounts to an order to suspend your license immediately. If you are required to make a financial responsibility filing, you’re also required to maintain that financial responsibility filing in good standing on an ongoing basis. If you don’t do this, your license is suspended again. Financial responsibility insurance can be expensive, but consider the cost of not having it. New York, for example, will charge you $75 or more for each suspension in order to reinstate your license. If you pay your insurance late twice (and have to reinstate your license as a result), it costs you more than a month of insurance would!
This requirement follows you for quite some time, as well.
Generally, the SR-22 is required for three years, but it can be longer based on circumstances. If you had an uninsured car accident or drove drunk without insurance, you may be required to carry an SR-22 for five years or more. If you move to one of the few states (Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, Pennsylvania, New York, and North Carolina) that do not have SR-22 requirements of their own but your previous state did require it, the new state will as well even if it doesn’t have a mechanism to require it if the violation had occurred in that state.
What if you don’t own a car but still need an SR-22 to keep your license?
You can still get an SR-22! Did you know that there’s a type of policy called a named non-owner policy? It provides you with liability coverage for any vehicle you drive but doesn’t give you any physical damage coverage. It’s often a first step to getting your license back, and a named non-owner SR-22 is available from Effective Coverage. In fact, having your auto insurance and renters insurance with the same company can get you bundle discounts on your car insurance and your renters insurance!