What is SR-22? And Why Would I Need It?

adult male driving in car

SR-22 can be one of the more confusing parts of a DUI conviction. For starters, it’s not really “insurance.” It’s proof from your auto insurer that if your license has been suspended, you have the minimum coverage required by your state. An SR-22 is issued by an auto insurance company – and they will automatically notify your state’s Department of Motor Vehicles that you are in compliance by demonstrating financial responsibility.

We’re here to help with more than just the best Ignition Interlock Devices. We can also help you understand terms like “SR-22” and why it’s actually different from a regular insurance policy. Fortunately, we’ve got a knowledgeable partner like Freeway Insurance who can provide you with the right solution for your situation.

Watch the Freeway Insurance Video: What is SR-22?

An SR-22 Isn’t an Actual Policy

If you’re convicted of DUI, your insurance company is likely to consider you to be a high-risk driver. That means your rates are likely to go up, and sometimes your insurance may be canceled outright. Companies like Freeway Insurance and others specialize in providing insurance plans for high-risk drivers.

Once you have the correct coverage, you should receive an SR-22 document. It’s not an insurance policy, but it’s a document that proves that you meet your legal insurance obligation through a provider like Freeway. You may also see the term “Certificate of Financial Responsibility” or an FR 44 in states like Florida or Virginia. An FR-44 verifies that motorists have more than the minimum coverage.

Video: Freeway Insurance Explains the DUI Process

How Do I Know If I Need an SR-22?

Requirements for SR-22 proof vary by state. Depending on where you live, the court, judge or monitoring authority will notify you if you require an SR-22. They’ll also let you know the amount of time you’ll need an SR-22.

FAQs About SR-22 Requirements

What Happens if I Don’t Have an SR-22?

As always, penalties for not following the SR-22 requirement can vary by state or jurisdiction. But they can include:

  • Suspension or revocation of your license and vehicle registration.
  • Ineligibility for license reinstatement.
  • A longer duration for the SR-22 requirement.

An Ignition Interlock Device isn’t the only important part of your DUI requirement. An SR-22 insurance form can be equally as vital.  Freeway Insurance can get you affordable car insurance and help you file an SR-22. Get a free auto insurance quote online or over the phone at (800) 777-5620.