It sounds like the name of some new high-tech sports car, or perhaps a top-secret jet fighter. But in fact, a SR-22 is actually an insurance form that is required by many states throughout the U.S in certain special circumstances.
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What is it exactly?
A SR-22 form is proof of financial responsibility and it is issued by an automobile insurance company. This form is given to the state’s department of motor vehicles as proof that the driver has met the basic requirements of automobile liability insurance.
Who needs to file a SR-22 form?
The SR-22 form is meant for people whom the state considers to be high-risk drivers. These are drivers who may have recently committed serious moving violations. For example, a driver who has been convicted of a DUI offense and has had his/her license suspended would need to file a SR-22 form in order to have his/her license reinstated. Other reasons a motorist may need to file a SR-22 form:
•The driver was involved in a prior accident and didn’t have insurance
•Reckless driving or any other serious moving violation
•Many repeat traffic tickets in a very short period of time
•A suspended or revoked license .
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Which states require a SR-22 form?
The form is required in every state with the exception of Delaware, Kentucky, Minnesota, New Mexico, Oklahoma, and Pennsylvania, New York and North Carolina.
How long are you required to submit a SR-22 form?
Filing requirements vary by state, but generally a high-risk driver must submit a SR-22 form for at least three years. In some states it can be up to seven years, or if the driver has made a number of serious moving violations, he/she may be required to submit the form for life. The insurance company must also notify the DMV if the insurance has been suspended, canceled, or terminated.
What is the cost of a SR-22?
SR-22’s are generally inexpensive, and sometimes even free (depending on the individual insurance company).
How do I acquire a SR-22 form?
To begin to process, fill out an insurance quote form here at Cheap Quotes Car Insurance. Not only will you be on your way to acquiring a SR-22, but also you can find the cheapest rates for car insurance!