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What is an SR-22 Insurance Form?

Do you know what an SR-22 form is? If not, here is what you need to know. An SR-22 refers to a document filed to show you have met the state’s minimum liability coverage requirements when it comes to an auto insurance policy. It might be known as an FR-44 in Florida and Virginia. 

When dealing with penalties for underage DUI in Seattle, you can reach out to a DUI lawyer to help you. Most people may think the SR-22 is insurance. It isn’t insurance. When you speak to a professional lawyer, you will know that it is a form offered by an insurance firm that shows liability coverage is present in your auto insurance. 

In this article, you will learn more about the SR-22 form and where it is applicable. 

Who Should Get an SR-22?

Not all drivers require the SR-22. Several states have different rules and regulations. But in most cases, motorists might need the insurance firm to file the SR-22 form because of the following situations: 

  • Numerous traffic felonies
  • Imprisoned because of DUI
  • License suspension
  • You caused an accident and didn’t have insurance

Since the SR-22 will be crucial for the situations mentioned above, it will lead to additional insurance coverage charges. 

Understanding SR-22 Requirements 

The state will control auto insurance. That means the requirements to file one will differ according to the state. However, if you require an SR-22, be prepared to be notified by the relevant authorities. If you receive the SR-22 form, you will need to keep it for three years, even though you might keep it for a longer duration. 

When handling the SR-22 and your insurance coverage plan stops, the insurance company will inform the state. Then your license will be suspended until the auto insurance returns to being active. That means there is a possibility of facing severe penalties than the regular motorist whose auto insurance has lapsed. 

But if you receive a notification telling you to keep the SR-22, make sure you understand all that is required. You can enquire and find out how long it is necessary to keep the SR-22 and know what you need to do to avoid unnecessary problems. 

Is Having an SR-22 Essential and How Long Does One Need to Have It?

As mentioned before, SR-22 requirements may vary depending on the state. But here are some rules to know:

  • You are required to possess an SR-22 form that shows a nonstop insurance policy that has been running for not less than three years (In some states, it could be longer).
  • If the insurance coverage plan expires, the insurance firm needs to inform the state. 
  • If you don’t agree to the terms in the SR-22, your license may be suspended. 
  • After meeting the state’s requirements, the SR-22 situation will be lifted. 

If You Don’t Have a Car, Should You Get an SR-22?

Regardless of whether you have a car or not, you might be needed to get the SR-22 auto insurance coverage and the certificate. Also, you need to know that you can be accountable for property damage or personal injury should you get into a car accident with a rental or borrowed car. 

There are instances where you could get your license suspended and need the SR-22. It will be helpful if you’re looking to restore your driving rights. If you are looking to get the SR-22 form, you need to talk to the insurance firm and ask for the documents.