The average driver probably hasn’t heard of SR-22 insurance, but it can be crucial documentation to have if you ever get into an accident or need to prove you have car insurance.
But what exactly is an SR-22? Is it a type of car insurance itself? How does a driver get this form, and what are its benefits?
Here’s an overview of everything you should know about SR-22 insurance.
What is an SR-22, exactly?
An SR-22 is not insurance itself, even though the document is often referred to as “SR-22 insurance.” Instead, it’s a certificate of insurance that proves you have a car insurance policy. It might also be referred to as a certificate of financial responsibility (CFR). All this document means is that you have met your state’s minimum car insurance coverage for driving within a specific amount of time.
Any reference to SR-22 is referring to the same type of document. You might see it listed as SR22, SR-22, SR 22, SR22 form, etc.
Do I need an SR-22?
You might either wish to seek SR-22 coverage or may be required to do so if you have previously had a driving violation like a DUI/DWI, reckless driving, driving without insurance or driving with a suspended license, or if you have any at-fault accidents on your record.
It can also be a good idea to have an SR-22 if you’ve had a number of small incidents (citations and moving violations) over time. While the general guidelines for SR-22 usage are different from state to state, typically people only seek SR-22s if they have a history of incidents on the road. Good drivers without traffic violations don’t typically have to think about getting an SR-22.
Costs and other issues
In most cases, you will be able to get an SR-22 for free as part of your insurance policy, though some agencies may require you to pay an additional fee to get one.
To get an SR-22, all you need to do is indicate you need one when purchasing an auto insurance policy. If you’re already insured, you can also speak to your insurer and request one. You’ll need to provide your driver’s license number or other identification number so your information can be filed with the state. You should be able to get your SR-22 immediately. If you file electronically, you can receive a digital copy that you can print out yourself.
The SR-22 will last for about three years in most cases, but you should double-check the coverage length with your provider and make sure you know your state’s requirements. If your policy lapses, the insurance provider is required to contact the DMV, which, depending on your circumstances, could result in a loss of driver’s license or other consequences.
Want to know more about SR-22 coverage and how to get an SR-22? Contact the team at Affordable Car Insurance Tampa for more information about obtaining this important document. Our experts are happy to answer any questions you have for us!