{"id":628,"date":"2021-06-08T17:13:57","date_gmt":"2021-06-08T17:13:57","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=628"},"modified":"2021-06-08T17:19:50","modified_gmt":"2021-06-08T17:19:50","slug":"what-you-need-to-know-about-sr-22-and-car-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/what-you-need-to-know-about-sr-22-and-car-insurance\/","title":{"rendered":"What You Need to Know About SR-22 and Car Insurance"},"content":{"rendered":"
If you\u2019ve recently been convicted of a DUI, you\u2019re likely being confronted with an endless list of new and unfamiliar requirements to get your license back. Among these, there\u2019s often an important insurance document known as an SR-22.<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n In short, SR-22<\/a><\/strong>\u00a0refers to a form filed with your state to prove that you have adequate car insurance coverage. The \u201cSR\u201d stands for \u201cSafety Responsibility.\u201d<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n Yes. Though you may hear about \u201cSR-22 insurance,\u201d keep in mind that SR-22 refers only to the form that needs to be filed with the state. However, you will need to inform your car insurance company as soon as you\u2019re required to file an SR-22 so that they can file the form with the state and add the SR-22 endorsement to your policy.<\/p>\n If your current car insurance company doesn\u2019t provide SR-22s\u2014not all of them do\u2014then you will need to shop for a new policy with a new car insurance company.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n If you need an SR-22, it will be ordered by the court at a hearing or by your state through a letter from your state DMV. Otherwise, you do not need an SR-22, and the cards provided by your insurance can serve as adequate proof of car insurance.<\/p>\n Usually, you will be ordered to file an SR-22 if the following applies to you:<\/p>\n An SR-22 can only be filed by a car insurance company. Before the car insurer files the SR-22 for you, they will need to make sure that your insurance coverage meets the minimum coverage requirements.<\/p>\n Once your car insurer files the SR-22 with the state, the state DMV will reinstate your license if you\u2019ve met all the other requirements for reinstatement (for example, fines and community service).<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n Yes. In fact, only your car insurer can file the SR-22 for you, even if your current car insurance policy meets the minimum coverage requirements. In many cases, your car insurer is also required by law to notify your state DMV if your insurance lapses while you still have to carry an SR-22 certificate.<\/p>\n If you\u2019re ordered to file an SR-22, it\u2019s best to be upfront with your current insurer about your situation so that you can comply with your legal obligations as quickly as possible.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n Usually not. An SR-22 certificate shows that you have the same state minimum coverage that applies to everyone else. But in two states\u2014Florida<\/a> and Virginia<\/a>\u2014you may be required to file an FR-44 form instead. In these cases, you will need to show proof that your insurance policy meets higher coverage limits.<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n No. An SR-22 certificate is only needed to prove minimum liability coverage required by law. However, you may be required to maintain collision insurance for other reasons, such as if you\u2019re leasing a car.<\/p>\n If you need to switch your car insurer because your current one doesn\u2019t offer SR-22 filings, remember to get quotes for other insurance policies too. Most insurance companies offer better prices when you purchase multiple policies through them.<\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n In most cases, the cost of an SR-22 form is about $25, with some states charging additional fees.<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\nWhat is an SR-22<\/strong>?<\/h2>\r\n
Do I Need an SR-22<\/strong> and Regular Car Insurance?<\/h2>\r\n
How Do I Know if I Need an SR-22<\/strong>?<\/h2>\r\n
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How Do I File an SR-22<\/strong>?<\/h2>\r\n
Does My Car Insurer Need to Know that I Need an
SR-22<\/strong> Certificate?<\/h2>\r\n Does an SR-22<\/strong> Certificate Require Different Insurance Coverage Requirements?<\/h2>\r\n
Do I Need an SR-22<\/strong> Certificate for My Collision Insurance?<\/h2>\r\n
How Much Does It Cost to File an SR-22<\/strong> Form?<\/h2>\r\n
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Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n