An SR-22 is not a separate insurance policy. It is a certificate filed by your insurer to prove you meet state-required auto liability coverage after certain violations.
Common Reasons for SR-22
Drivers may need SR-22 filing after serious traffic offenses, driving without required insurance, DUI-related convictions, or repeated license violations. Rules vary by state.
How Long Is SR-22 Required?
Many states require SR-22 for multiple years, often around 3 years, but exact duration and conditions depend on state law and the triggering offense.
What Happens If Coverage Lapses?
If your policy is canceled, the insurer may notify the state. This can trigger license suspension or additional penalties. Continuous coverage is usually critical.
Cost Impact
Filing fees are often small, but premiums may increase significantly based on driving history and risk profile.
Disclosure: This article is general information only. Verify SR-22 requirements with your state motor vehicle agency.