Not many people have heard of SR-22 insurance, so when you get into a situation where it's required, the learning curve can be steep. Below are some of the basics about SR-22 and what you need to know.
What Is It?
Just like interlock ignition devices and treatment classes, SR-22 insurance is often required after a DUI conviction. It is a document that you file with your state that shows you meet the minimum coverages for car insurance legal requirements. It is either required by the state or court-ordered and depending on which entity mandates it, you will either be notified by the DMV via mail or the judge will let you know at your hearing.
There are a lot of ways that people refer to SR-22, including SR-22 certification, SR-22 form, SR-22 insurance, an SR-22, SR-22 bond or a certificate of financial responsibility. Adding to this confusing mix, some states, like Florida and Virginia, have something similar to an SR-22, but different. It's called an FR-44. If you need to know the specifics for your state, DUICare is here to help.
Where Can I Get It?
You can get an SR-22 from an auto insurance company. You may be able to have the SR-22 added onto an existing policy, but if not, you may have to shop for a new policy. The document can sometimes be electronically filed, but most often will need to be filed by mail with the state requesting it.
There are free services, like DUICare that can connect you with providers and cut down on the overwhelming nature of insurance, rates and comparison shopping. Call DUICare at (833) 989-1443 and an expert will help you navigate your SR-22 requirements.