What is SR-22 Insurance and how does it work?

What is SR-22 Insurance?

An SR-22 is a document of financial accountability mandated for certain drivers by their state or through a court directive.

While it’s not a specific kind of insurance, it’s a form submitted to the state verifying that your car insurance adheres to the minimum liability coverage set by state regulations.

People holding insurance document
People holding insurance document – Image by Drazen Zigic on Freepik

What is an FR-44?

An FR-44 is similar to an SR-22 in that it certifies a driver has valid liability insurance that aligns with or surpasses the state’s basic coverage standards.

Yet, the FR-44 usually demands greater liability limits than the standard state requirements or the SR-22.

Do I need an SR-22/FR-44?

Not all drivers require an SR-22/FR-44. The rules differ across states.

Typically, they are mandated by either the court or the state due to specific driving offenses, such as:

  1. DUI/DWI convictions
  2.  Engaging in reckless driving
  3.  Incidents involving uninsured drivers causing accidents

Should you require an SR-22/FR-44, either the courts or your state’s Department of Motor Vehicles will inform you.

How do I obtain an SR-22/FR-44?

If you’re not yet insured with our company, start by obtaining a no-obligation car insurance quote from an insurance company.

Once you’ve secured a policy, reach out to the Customer Service Department through the provided contact number or chat feature on their website to indicate your need for a certificate of financial responsibility, such as an SR-22 or FR-44.

Upon hearing from you, they’ll definitely commence the process of filing the required certificate on your behalf.

Should additional information be required to complete your request, they will contact you.

You can also request the necessary form by contacting the insurance main helpline.

Existing customers should connect directly with their Customer Service Department.

They’ll evaluate the coverages in your existing policy and initiate the filing procedure for the certificate on your behalf.

Is there a fee associated with an SR-22/FR-44?

While many states have a set fee, some impose an additional surcharge.

You’ll encounter this one-time fee when processing the SR-22/FR-44

Additional payments are only required if your policy becomes inactive.

A separate filing fee applies for each SR-22/FR-44.

So, if both you and a spouse named on the policy require an SR-22/FR-44, you’d incur the fee twice.

Kindly be aware: This fee isn’t accounted for in the initial rate quote due to its variability.

You’ll be informed of the exact fee at the point of purchase.

How long is the SR-22/FR-44 valid?

Your SR-22/FR-44 remains valid for the duration of your active insurance policy.

Should your insurance be canceled during the period you’re mandated to have an SR-22/FR-44, your insurance company is obligated to alert the relevant state officials.

Failure to keep continuous coverage may result in the suspension of your driving rights.

*Note: The specific name for the Certificate of Financial Responsibility form, either SR-22 or FR-44, depends on your residing state.

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