SR-22 Insurance: Who really needs it
Do you need an SR-22, and don't know where to begin. This section of all-autoinsurance.com will help you get the answers you need about filing for an SR-22.
What is an SR-22?
An SR-22 is a document of financial responsibility. An SR-22 is a certificate of insurance issued by an insurance company to show proof of liability insurance to the DMV. An SR-22 is needed when one is caught by the police while driving without insurance. One is required to carry the SR-22 for three years. After three years, SR-22 status expires.
An SR-22 is necessary for the following situations:
- DUI / DWI violations
- If you have gotten into an accident while driving without auto insurance
- Repeat traffic offenses or exceeding the maximum points on your driver’s license
- License suspension or revoked license
How long do I need an SR-22 for?
SR-22 is usually needed for a period of three years. While one is in an SR-22 status, one must carry continuous insurance. When ones policy lapses or is canceled, one is required to notify immediately ones auto insurance company.
Other facts about SR-22:
- It can be purchased whether you own a vehicle or not
- It can be purchased as a liability only policy on an auto, or liability plus full coverage
- It can also be applied to a motorcycle policy