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SR22 insurance is a certificate which is used for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but these types of car insurance policies can vary from one to five years, depending on the violation.
How SR22 Insurance Works
When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver's license and may additionally penalize the driver.
Since the individual covered by the SR22 insurance policy has shown a lack of responsibility in the past, this policy is designed to make it very difficult for the individual to operate a vehicle without insurance.
Who is Required to Carry SR22 Insurance?
In general, drivers with serious violations on their record may be required to carry SR22 coverage to have their license reinstated. Violations that would require this type of policy might include:
- DWI / DUI
- Failure to carry insurance
- Multiple moving violations
- Reckless driving
Types of SR22 Insurance Coverage
The basic types of coverage include SR22 Car Insurance, SR22 Motorcycle Insurance, and an SR22 Non-Owners Insurance policy. The SR22 Non-Owners policy would be required if the driver wishes to maintain a driver's license but does not own a vehicle, and will typically cover basic liability coverage, uninsured motorist bodily injury protection, and uninsured motorist property damage coverage.
Requirements can vary greatly from one person to another based on the driver's offense, previous driving experience, credit history, and the state and region in which he or she lives. Because this is generally a high-risk policy, not all insurance companies will provide these insurance policies, and it is extremely important to obtain you coverage from a reputable company. The penalties are usually severe if the coverage lapses, so choose a trusted insurance company, not just the "lowest bidder".
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