If you have ever looked at advertisements for auto insurance, then chances are you have seen the words, “we offer SR-22’s” and you may be wondering just exactly what is an SR22 insurance. If you have never heard of an SR22, then chances are that it is because you have a pretty good driving record and that is because you never had to go through filing for one. Simply put an SR-22 is a form of insurance that proves you have enough insurance to cover financial responsibility.
What kind of drivers have to show such proof of insurance, you may wonder. Well, normally the only time an SR-22 is required is when someone has had serious driving offenses placed upon their driving record. An SR-22 is typically required when you have been convicted of reckless driving, vehicular manslaughter, or driving under the influence or while intoxicated. When you are convicted of such offenses you may first lose your license by suspension and then once you are allowed to have your driving privileges back, the judge will order you to file an SR22.
When you get your SR-22, the insurance company is normally required to send proof to the state that you have in fact taken out a policy with an SR-22 revision. Requirements generally do vary from state to state, so you will need to check with your state if you have been order to carry an SR-22 bond on your insurance policy. You also need to be aware that once you meet compliance, you must stay in compliance. Most states require that if a driver does not maintain or does not renew their SR-22 policy, that the insurance carrier must notify the state. This may in turn cause your license to be suspended again and it will definitely end up costing more money to meet the SR-22 requirements again.
Let’s hope that you never are in the situation in which you need an SR-22 filed, but sometimes mistakes are made and consequences must be served in order to keep our driving privileges. If you have found yourself in need or ever do find yourself in need of one, then contact your local courts to make sure you meet your states requirements in filing an SR22.