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, SR-22 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 SR-22 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- Your license was revoked or suspended, and you’d like to have it reinstated.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 SR-22 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 LC Insurance for more information about how to file SR-22 or to get a quote for high-risk insurance.