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What You Need to Know About an SR22!

August 20, 2015

What is an SR22?

SR22 is the form number for a legally mandated monthly confirmation of auto insurance required by the State on some high-risk drivers. Each state has its own statutes determining who files SR22s and how long they must provide verification. It is usually applied to drivers with serious violations or repeat violations, whose driver’s licenses would otherwise be cancelled.

Full License

How it works.

The insurance carrier sends a monthly statement, electronically or by mail, usually to the Department of Motor Vehicles, confirming continued coverage. If the policy is cancelled for any reason, so is the SR22.

Costs involved.

The cost of the SR22 itself is minimal or even free with some carriers, covering the carrier’s expense to send monthly statements. The cost of the inciting violation, however, may be substantial. DUI violations, for example, will greatly increase insurance premiums.

What drivers don’t usually realize.

The duration of the SR22 filing must be uninterrupted. For example, in Colorado, an SR22 must be filed for a minimum of 36 months. If the insurance policy lapses before the proscribed 36 month term is completed, the SR22 time frame will restart at zero.

It’s best to finish it the first time!

Thanks for reading!

— E. A. Cooke

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