SR22 insurance is a type of high-risk auto insurance required by state law for individuals who have violated certain traffic laws, such as driving under the influence (DUI) or driving without insurance. This insurance serves as proof of financial responsibility and can help reinstate driving privileges or prevent a license suspension.
* Drivers convicted of DUI or reckless driving
* Individuals who have had their license suspended or revoked
* Drivers involved in accidents causing personal injuries or property damage
1. File an FR-44 Form:
Contact your state’s Department of Motor Vehicles (DMV) to file an FR-44 form, which authorizes the insurance company to file an SR22 certificate on your behalf.
2. Obtain SR22 Insurance:
Reach out to insurance companies that offer SR22 insurance. They will assess your risk and provide a quote.
3. Submit Certificate:
Once you purchase insurance, your insurer will file the SR22 certificate with the DMV.
* SR22 insurance is required for a specific time period determined by state law.
* Failure to maintain SR22 insurance can result in further penalties or license suspension.
* The cost of SR22 insurance varies depending on your driving history and insurance company.
* SR22 certificates serve as proof of financial responsibility and are essential for individuals who have lost their driving privileges.