Understanding Insurance Policies

Understanding Insurance Policies

All You Need to Know About SR22 Car Insurance

Samantha Reynolds

Few drivers are familiar with SR22 car insurance. If you have been told to get SR22 insurance, you had better talk to your insurance agent for advice. Here are some frequently asked questions about SR22 car insurance.

What Is SR22 Car Insurance?

This is a certificate held by high-risk drivers after they commit a traffic offense. Many people think it's an insurance form, but it is proof of financial responsibility.

An SR22 is required if you have been receiving several tickets. It also applies if you have been convicted of a DUI or substance abuse. You may also be required to get this insurance if you are driving without insurance or with a suspended license. Some states also require drivers who are at fault in an accident without the proper insurance to get SR22 insurance.

How Does SR22 Insurance Work?

Your insurance provider files an SR22 form with the Department of Motor Vehicles (DMV) in your state. The form verifies that you have minimum liability insurance coverage to drive on the road. You will be required to pay a fee for this form. In the state of Florida and Virginia, this form is called an FR-44.

The law on SR22 varies by state. The time you are required to maintain this insurance will depend on the severity of your violation and the laws of your state. In some cases, drivers are required to maintain this insurance for two years. If you fail to maintain SR22 for the stipulated time, the court will extend the duration of the insurance requirement.

What Happens If Your SR22 Cancels?

It is advisable to be on time with your SR22 payments. If your SR22 lapses, your insurance agent will contact the DMV. You may face severe penalties, including the termination of your driver's license. If your SR22 policy is canceled, your insurance provider will file an SR-26 form. An SR26 notifies the DMV that a troubled driver no longer holds an SR22 certificate with a specific insurance company. This means either you held the insurance for the stipulated period or failed to pay on time hence the cancellation. 

If your SR26 is filed before the SR22 probation period is over, you will need to find an insurance provider to complete the remainder of the insurance period. In other states, you may have to find a new insurance provider and start a new SR22 car insurance period. Learn more by contacting services like Kesner Insurance Agency Inc.


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About Me
Understanding Insurance Policies

After I moved out of my parent's home, I started learning more and more about insurance policies. I was involved in a bad car accident, and I ended up working with my car insurance company as well as my medical and dental insurance companies. I paid my premiums and enjoyed coverage, but I didn't really understand how the entire insurance claim process worked. I wanted to make this blog to help other people like me to learn more about insurance coverage. Check out this blog for more details on insurance coverage, how to file a claim, and what you should expect throughout the shopping process.