SR22 insurance, also known as a certificate of financial responsibility, is a specific type of auto insurance that drivers may be legally obligated to obtain. It proves to the state that you have the minimum required liability coverage and provides evidence of financial responsibility in certain situations.
* Driving Under the Influence (DUI): A DUI conviction typically triggers an SR22 requirement for a period of three years.
* Driving with a Suspended or Revoked License: If your license is suspended or revoked due to a serious traffic violation, SR22 insurance may be required for reinstatement.
* Multiple Traffic Violations: A series of traffic violations, such as speeding tickets or reckless driving convictions, can result in an SR22 requirement.
* No Proof of Insurance: If you fail to show proof of insurance during a traffic stop, you may be required to obtain SR22 insurance to reinstate your driving privileges.
* Accident with Property Damage and No Insurance: Causing an accident and not having insurance can result in an SR22 requirement.
SR22 insurance serves as a safeguard for the state and other drivers by providing assurance that you have the financial means to cover potential damages if you are involved in an accident. It also allows you to regain your driving privileges if they have been suspended or revoked.