{"id":1287,"date":"2024-09-09T13:00:00","date_gmt":"2024-09-09T13:00:00","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=1287"},"modified":"2025-01-27T16:10:59","modified_gmt":"2025-01-27T16:10:59","slug":"sr22-vs-regular-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/sr-22-rate-savings-tips\/sr22-vs-regular-insurance\/","title":{"rendered":"Do I Need SR-22 Insurance and Regular Insurance? A Comprehensive Guide\u00a0"},"content":{"rendered":"
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So you\u2019ve been asked by the court to file an SR-22 form to prove you have car insurance \u2014 what now? If you\u2019ve never had to file a certificate of financial responsibility before, you may be confused about how it works with your regular policy. If you\u2019re wondering, \u201cDo I need SR-22 insurance and regular insurance?\u201d, it\u2019s important to learn the basics of signing up for insurance with an SR-22. By comparing standard insurance plans to policy options for SR-22s, you can find the right option for you and start looking for\u00a0affordable SR-22 insurance quotes<\/a>.<\/p>\n

What Is SR-22 Insurance?<\/strong><\/h2>\n

An SR-22 is not insurance; instead, it\u2019s a certificate of financial responsibility, a form you file to verify you have at least the minimum liability insurance required by law in your state. If the state determines that you\u2019re a high-risk driver based on your driving history or legal issues, they may require you to submit this document for a certain length of time in order to keep your driving privileges.<\/p>\n

Although it\u2019s not actually a specific type of policy, people often use the term \u201cSR-22 insurance<\/a>\u201d to refer to plans that comply with your state\u2019s minimum liability requirements, allowing you to file the certificate of financial responsibility with your state and retain your license. Once you sign up for your policy and inform your insurer that you need to file an SR-22 form, they\u2019ll confirm your policy with the court or Department of Motor Vehicles.<\/p>\n

The Typical Reasons for Requiring an SR-22<\/strong><\/h3>\n

SR-22s<\/a>\u00a0mainly apply to people who have been convicted of driving-related charges, such as DUIs or reckless driving. In most states, the court will require you to prove you have active coverage in order to get your license back after your charge. Other reasons you might need to submit proof of coverage to the courts include:<\/p>\n