SR-22 form details vary by jurisdiction. But put generally, an SR-22 is a certification that is required by many states as a way of proving that an individual has current auto insurance coverage. These documents are often required for drivers who are considered high risk due to having had a DUI/DWI, being cited for driving without insurance, or having been involved in a traffic accident while not covered by insurance. The SR-22 allows you to provide proof of minimum Liability Coverage to law enforcement officials, if necessary.
SR-22 does not replace insurance
It’s important to understand that even though you may hear it referred to as “SR-22 insurance,” an SR-22 is not auto insurance and is not a substitute for auto insurance. Instead, it is simply certification that your auto insurer provides to your state that proves you have auto liability policy coverage that meets the state’s minimum requirements.
Who needs an SR-22?
If you need an SR-22, it will likely be because of a court order. High-risk drivers may have to obtain an SR-22 with respect to incidents including, but not limited to:
- DUI or DWI
- Repeated reckless driving
- Multiple at-fault accidents or infractions
- Driving or being involved in an accident without insurance
A court will determine if you should be allowed to have your license reinstated and under what restrictions. As a part of this, an SR-22 may be required. In certain circumstances, the SR-22 allows drivers to continue to drive legally, although they will have a restricted license.
How long to expect to have an SR-22
The duration of an SR-22 obligation varies by state and the nature of the underlying traffic offense(s). In some states, this duration may be as short as one year or as long as five. Generally speaking, a typical SR-22 period lasts from 2-3 years.