Under certain circumstances, for example, if you want to reinstate your driver’s license after a car accident, the DMV may require you to submit an SR-22 for reinstatement. What is SR-22? Is this a kind of insurance? Where can I buy it?
Many of us might mistakenly consider SR-22 as an actual insurance policy.
In fact, an SR-22 is a certificate of insurance. SR-22 is a form which proves that you have vehicle liability insurance. Usually the SR-22 form is added to your vehicle liability insurance policy.
In general, you’ll be asked to provide an SR-22 under the following circumstances:
- DUI or DWI
- Several traffic offenses in a short time period
- An at-fault accident with no insurance
- License suspension or revocation
Terms and requirements vary from state to state.
Pay attention, only your car insurance company can file the form for you. However, not all insurance companies offer customers SR-22 filing. Because drivers who need SR-22 are usually considered as “high-risk”, providing insurance policies for them may bring more potential risks for insurance companies. Therefore, before purchase a vehicle liability insurance, you’d better make sure that the insurer is able to file SR-22 for you.
Big insurance companies offer SR-22, such as Progressive, Nationwide, Allstate, Geico, State Farm and others. You can check their official website first.