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{"id":869,"date":"2022-08-24T15:43:15","date_gmt":"2022-08-24T15:43:15","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=869"},"modified":"2022-08-24T15:43:18","modified_gmt":"2022-08-24T15:43:18","slug":"7-facts-about-sr-22-insurance-that-you-didnt-know","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/7-facts-about-sr-22-insurance-that-you-didnt-know\/","title":{"rendered":"7 Facts about SR-22 Insurance That You Didn\u2019t Know\u00a0"},"content":{"rendered":"

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Getting <\/span>SR-22 insurance<\/span><\/a> can be a confusing experience, especially if you\u2019re just learning about SR-22. Why do you need SR-22 insurance? For how long? What happens when you move?<\/span>\u00a0<\/span><\/p>\n

To help get you more familiar with SR-22 insurance and how it works, we\u2019ve put together these seven facts about SR-22 insurance that everyone should know.<\/span>\u00a0<\/span><\/p>\n

1. SR-22<\/span><\/b> Insurance Isn\u2019t Actually Insurance<\/span><\/b>\u00a0<\/span><\/h2>\n
SR-22 \u2014 \u201cSR\u201d stands for \u201csafety responsibility\u201d \u2014 actually refers to an SR-22 certificate of financial responsibility. An SR-22 isn\u2019t a separate insurance policy, but rather a special form that your insurance company files with your state DMV to confirm that your car insurance is active. When an SR-22 certificate is linked to your insurance, then it\u2019s known as SR-22 insurance.<\/span>\u00a0<\/span><\/p>\n
In most states, you won\u2019t need to get more SR-22 insurance coverage than the state-required minimum. However, if you live in <\/span>Florida<\/span><\/a> or Virginia, then you\u2019ll need to file an FR-44 instead of an SR-22. The two forms are similar, only that the FR-44 requires you to carry insurance with higher limits than the state-required minimum.<\/span>\u00a0<\/span><\/p>\n
Tip:<\/span><\/b> If you already have the state-required minimum insurance, then all you need to do is get an SR-22 certificate attached to your current policy. There\u2019s no need to get an entirely new policy, though it always helps to <\/span>shop around<\/span><\/a> for SR-22 insurance quotes to make sure you\u2019re getting the best deal.<\/span>\u00a0<\/span><\/p>\n
2. SR-22<\/span><\/b> Insurance Isn\u2019t Just for DUI Convictions<\/span><\/b>\u00a0<\/span><\/h2>\nIn many states, getting <\/span>charged with a DUI<\/span><\/a> almost always means that you\u2019ll be required to have SR-22 insurance. But it\u2019s far from the only reason. States require SR-22 insurance for many kinds of high-risk drivers. Here are other reasons why you might be ordered to get SR-22 Insurance:<\/span>\u00a0<\/span><\/p>\n
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Getting caught driving without insurance<\/span>\u00a0<\/span><\/li>\n
Getting caught driving without a valid (non-expired) license<\/span>\u00a0<\/span><\/li>\n
Being at fault for too many accidents<\/span>\u00a0<\/span><\/li>\n
Getting too many traffic tickets within a short period of time<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
Tip:<\/span><\/b> If you want to avoid SR-22 insurance, then you need to avoid all high-risk activities on the road \u2014 not just drinking and driving.<\/span>\u00a0<\/span><\/p>\n
3. There Are<\/span><\/b> Different Types of SR-22 Insurance<\/span><\/b>\u00a0<\/span><\/h2>\nThere are three main types of <\/span>SR-22 certificates<\/span><\/a>: owner\u2019s certificates, operator\u2019s certificates, and owner-operator certificates.<\/span>\u00a0<\/span><\/p>\n
An SR-22 owner certificate will cover you while driving cars that you own. If you don\u2019t own a car, then you\u2019ll need an operator\u2019s certificate, which covers you while driving other people\u2019s cars. Finally, the SR-22 owner-operator\u2019s certificate is the most flexible and covers you while driving any vehicle.<\/span>\u00a0<\/span><\/p>\n
Tip:<\/span><\/b> If you own a personal car but drive another vehicle for work, then you\u2019ll need the SR-22 owner-operator certificate to fully cover you.<\/span>\u00a0<\/span><\/p>\n
4. You<\/span><\/b> Won\u2019t Need SR-22 Insurance Forever<\/span><\/b>\u00a0<\/span><\/h2>\nBeing required to get SR-22 insurance is never good news, but it won\u2019t last forever. In most states, you\u2019ll only need to have SR-22 insurance for three years. After that, you can apply to <\/span>remove your SR-22 insurance requirement<\/span><\/a> and start driving under a regular insurance policy. Note that some states may require you have SR-22 insurance for up to five years for serious traffic offenses.<\/span>\u00a0<\/span><\/p>\n
Tip:<\/span><\/b> Stay on top of renewing your SR-22 insurance and drive safely. If you let your insurance lapse or get caught in another violation, you\u2019ll reset the clock and have to keep SR-22 insurance for even longer.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n
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