SR 22 Insurance
An SR 22 certificate is a form filled out with an individual's state department to ensure he or she has minimum liability coverage from an insurance policy. Also known as an SR 22 bond or FR-44 depending on what state a driver resides, this policy requires the insurance to cover only the named individual. State laws vary but drivers may be required to file for an SR 22 insurance policy if they were convicted for a DUI/DWI, are serious or repeat traffic offenders, are involved in an at-fault accident without insurance or had their license suspended or revoked. Depending on the driver's state laws and the degree of the infraction, an SR 22 policy persists for three to five years.
DMV.com offers a free comparison tool to find which auto insurance companies provide SR 22 forms for the best deal. Simply refer to the "Insurance" tab on the drop down menu options and click on SR 22 Insurance to then search by state using the menu or map provided on the page.
To request an SR 22 form, an individual must contact his or her auto insurance company and ask for it. After the requestor fills out a request, authorized personnel from the company must sign the form and include the date. The insurance provider typically requires a filing fee paid in full. If an individual's insurance company fails to provide coverage for any reason, the insurer is legally required to notify the driver's state motor vehicle department.
Drivers with an SR 22 policy must retain it for the full duration of the state's required penalty time. Individuals holding an SR 22 policy can only have their licenses reinstated after restoring the regular insurance policy Drivers with an SR 22 may be subject to fines for failing to abide by their state's laws regarding the policy. Failure to maintain insurance can also result in having driving privileges revoked altogether. A one-time filing fee is usually $25 but may be more depending on the driver's state. Although, there is no monthly fee for the SR 22, an individual's insurance rate is likely to increase because it indicates high-risk behavior. Also, some states require a payment in full for an insurance policy containing an SR 22 filing.
Out of state drivers who incur a driving violation are responsible to inquire if their insurance policy complies with the laws of the state in which the violation occurred. An individual who has recently moved to a new state must abide by that state's laws regarding violations and an SR 22 policy. If a driver does not own the car in which the violations occurred, then he or she must file for a non-owner SR 22 policy, which is offered by most insurance companies.