NEED TO KNOW
What is SR-22
- An SR-22 isn’t a type of insurance. It’s a filing your insurance company submits to your state to show you have the required auto insurance coverage.
- You may need an SR-22 after certain driving violations. Requirements vary by state, but they can include driving without insurance, serious traffic offenses, or a license suspension.
- Keep your coverage active while you need the SR-22. If you switch insurers, make sure your new policy and SR-22 filing are in place before canceling your current coverage.
Being told you need SR-22 insurance can feel like one more roadblock when you’re trying to get back on track. Here’s what an SR-22 is, who may need one, and what to do if you’re required to file.
What is an SR-22?
Despite the name, “SR-22 insurance” isn’t a separate type of insurance. An SR-22 is simply a filing your insurer submits to show the state that you have the required coverage. Your auto insurance policy provides the actual coverage. Having an insurance ID card alone may not satisfy an SR-22 filing requirement.
Who Needs an SR-22?
Most drivers won’t need an SR-22: a ticket or accident doesn’t automatically qualify. Depending on where you live and your driving history, you may be required to file one after:
- Driving without insurance
- Certain serious traffic offenses
- A license suspension
Your state agency or court notice should explain whether it’s required and what you need to do. If the instructions aren’t clear, contact the agency that issued the notice before buying or changing coverage.
How Do You Get an SR-22?
First, call your current insurance provider. Ask whether it can submit the required filing in the state making the request. If your insurer doesn’t offer the filing, you’ll need to look for one that does. When comparing car insurance quotes, explain the SR-22 requirement upfront. Before choosing a policy, ask:
• Can you submit the filing to the state providing the request?
• What coverage limits do I need?
• Is there a filing fee, and what will my policy cost
• When will you submit it, and how will I know it’s been accepted?
One important detail: filing an SR-22 doesn’t automatically restore your driving privileges. You may have other reinstatement requirements to complete. Check with your state to confirm you’re legally allowed to drive before getting behind the wheel.
How Long Do You Need an SR-22?
That depends on your state and the reason for the filing. For example, Illinois generally requires qualifying drivers to maintain an SR-22 for three years. In Texas, the requirement is generally two years from the qualifying conviction or judgment date. Check your state notice to confirm your timeline and when it begins.
During that time, keep your coverage active. If your policy expires or is canceled, your insurer may be required to notify the state. A lapse can lead to an additional license suspension in Illinois; in Texas, your driving privileges and vehicle registration may be suspended if a replacement SR-22 isn’t filed before the original coverage ends. You can still switch insurance companies but make sure your new policy and SR-22 filing are in place before canceling your current coverage. Need Help With an SR-22? An SR-22 requirement can be confusing, but knowing what you need to file and keeping your coverage active can make the process easier. Contact Focus Auto Insurance to discuss your SR-22 filing needs and request a quote. Have your state notice handy so the team can help you understand your coverage options and next steps.
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