Why Would You Need an SR-22 Form?

November 11, 2020

Posted by Joey Hernandez

If you are reading this article, chances are you have been notified that you need to provide an SR-22 form to your state DMV or a court for one of a variety of reasons determined by your vehicle’s insurance provider. Unfortunately, if this happens, your insurance provider is categorizing you as a “high risk” driver. High-risk drivers pay the highest insurance premiums, and in serious cases may be disallowed to operate a motor vehicle for a period of time. Understanding what an SR-22 form is and why you need it will help you understand what you need to do in order to have your driving privileges reinstated, and potentially lower your monthly premiums. 

When Would I Need an SR-22 Form? 

Contrary to popular belief, an SR-22 is not insurance- it is essentially an “add-on” that tells your state’s DMV that you are meeting your state’s minimum auto liability requirements. In other words, it offers proof that you do carry auto insurance. An SR-22 may also act as a “certificate” of financial responsibility. You may need an SR-22 for any of the following reasons: 

  • DUI or DWI 
  • Repeat traffic offenses, such as 3 or more speeding tickets in 6 months
  • Reckless driving
  • You were at fault for an accident while not carrying auto insurance
  • Driving with a suspended or revoked license
  • Failure to pay child support as ordered by a court 
  • Driving without enough insurance

How Long Can I Expect to Have My SR-22 For? 

Typically you can expect to need your SR-22 for three years. How long you need an SR-22 form varies state-by-state, and how serious the offense is- you can expect a DUI to stay on your driving record for 10 years, and may need to have your SR-22 throughout that period of time.       

How to Obtain An SR-22 Insurance Policy

Obtaining an SR-22 form can be stressful, but with Joey Hernandez Insurance Solutions, it doesn’t have to be! You can get instant SR-22 filing and get your license reinstated the same day you contact us. Give us a call today at (866) 772-1114.

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