Chances are if you’ve never heard of SR22 car insurance, you probably don’t need it. You only need SR22 insurance if you have been required to get it by the state you live in. You will get a notice requiring you to obtain a SR 22 certificate in order to get your driving privileges reinstated. So if you haven’t received notice, you probably don’t need it.
WHAT IS SR22?
SR22 isn’t actually insurance coverage. It’s a certificate of insurance that is filed with the state that proves that you indeed have the correct (required) amount of auto insurance.
WHY WOULD I EVER NEED A SR22 CERTIFICATE?
There are many reasons a state could require you to get SR 22 insurance. Usually it is required because a driver has something on their record that eludes to not having adequate car insurance coverage.
Reasons authorities could require a SR22:
- Driver caught driving without insurance
- Driver has DUI, DWI or other major offense (or multiple)
- Driver has a major moving violation on record
- Driver in accident and at fault with inadequate liability coverage
- License suspended or revoked for any reason
- Multiple tickets and/or accidents on record
HOW TO GET SR22 COVERAGE
The only way to get SR22 Certificates is by going to your insurance provider. It is a good idea to find an insurance provider that specializes in this type of insurance as they can get it done quickly and accurately.
There is a lot of information about SR22 insurance that many people don’t know. As always, it’s best to ask you insurance agent if you need to carry this certificate and go over all of your options.