What is SR-22?
An SR-22 is a form filed with the state by an auto insurance company to confirm that a driver has met the minimum liability insurance requirements. This certificate is often mandated by state authorities following serious driving infractions, such as driving without insurance, DUI convictions, or other violations that indicate a high-risk driver.
The SR-22 is not a type of insurance but rather a guarantee that the driver carries the required liability coverage. Typically, the SR-22 is required for a certain period, usually around three years, depending on the state and the severity of the violation. Drivers must maintain continuous coverage during this period, as any lapse in insurance could lead to license suspension.
In terms of personal or business vehicle insurance, obtaining an SR-22 may result in higher premiums due to the perceived risk. However, it ensures that individuals with serious driving offenses can continue driving legally as long as they maintain the necessary insurance and meet all other state requirements.