August 21, 2017

Let’s hope you’re the kind of driver who never needs to know about an SR-22 insurance requirement. But if you find yourself needing to get one, you’ll probably have some questions, starting with what it is and where to find it.

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Also known as a Statement of Responsibility, an SR-22 is an official document some states require to prove you have sufficient car insurance. The SR-22 allows you to keep or reinstate your driving privileges after serious or repeated traffic-related offenses, such as driving without insurance in an at-fault accident.

You also might be required to have an SR-22 if:

• You’ve been convicted of a DUI or DWI.

• You’ve been cited for multiple traffic offenses, such as speeding, within a short period.

• You’ve had your license suspended or revoked and would like to reinstate it.

August 21, 2017

Even if your car insurance provider does offer the form, it’s a good idea to shop for the best insurance. If you need an SR-22, it’s likely you’re going to be paying more for car insurance than before. How much more? That varies among car insurance providers and by region, so be sure to get insurance quotes and compare costs.

It’s also important to note that depending on the violation, once you have an SR-22 insurance requirement, you may be dropped by your current provider because of the increased risk factor. In that case, you’ll have no choice but to shop around for a company that will cover you.

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