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SR-22

SR-22 is a form that your state may require to prove that your auto insurance policy meets the state’s minimum liability coverage requirements. In Virginia and Florida, it is called FR-44, and some states refer to it as a certificate of financial responsibility.

Who Needs SR-22?

Not every driver needs an SR-22 form on file with their state department. If you must file SR-22, you’ll receive notice from a judge or the licensing agency in your area. You may need to file it under the following circumstances, depending on your state laws:

  • Your license was revoked or suspended, and you’d like to have it reinstated.
  • You caused an accident and did not have insurance.
  • You have multiple traffic offenses.
  • You were found guilty of a serious traffic offense.
  • You were convicted of driving under the influence (DUI) or driving while intoxicated (DWI).

How Long Do You Need to Have an SR-22 Form on File?

Depending on your state’s laws, you may need to file for three years. If your insurance policy lapses, the insurance company must notify the state, and you may have your driver’s license suspended.

Even if you don’t own a car, you may have to file SR-22. Talk with your agent to determine whether an auto insurance policy designed to help nonowners comply with SR-22 rules is appropriate for your situation.

Contact Us

Contact The Insurance Spot for more information about how to file SR-22 or to get a quote for high-risk insurance.