SR-22 is not a type of insurance but a certificate of financial responsibility. This certificate is required in certain situations to prove that your auto insurance meets the state's minimum requirements.

When Is SR-22 Insurance Required?

You might be required to file an SR-22 form in several circumstances. These typically involve serious driving violations or situations where your driving record indicates a higher level of risk.

For instance, if you have been convicted of a DUI or DWI, you may need to file an SR-22. Similarly, severe moving violations, being involved in an at-fault accident without insurance or accumulating a high number of points on your driving record can also trigger the need for an SR-22.

What Does SR-22 Insurance Cover?

SR-22-compliant insurance is designed to help cover third-party property damage and injuries you may cause in an accident up to the policy's dollar limits. The specifics of what SR-22-compliant insurance must include can vary from state to state. While the general purpose remains the same, the coverage details might differ depending on where you live.

How Do You Know If You Need SR-22 Insurance?

You will typically receive a notification from the court or DMV indicating the requirement for an SR-22. If your license has been suspended or revoked, reinstatement may be contingent on obtaining SR-22 insurance. In some cases, if you need a hardship or probationary license due to traffic offenses, you may also be required to file an SR-22.

Contact Us

Understanding the requirements and implications of SR-22 insurance is crucial for maintaining your driving privileges and ensuring that you meet all legal obligations. If you are in a situation where SR-22 insurance is required, contact South Sound Insurance. Our team can provide the guidance and support you need to navigate this process successfully.