What is an SR22?

If you have been told you need to file an sr22 and you don’t know what an it is.

An SR22 is a form to be filed by the insurance company with the state department of motor vehicles to provide proof of current car insurance for divers who have a suspended license or about to be suspended, based on their driving record.

A few examples of drivers, who are required to file are drivers who get no insurance tickets, DUI, DWI, at fault accidents with no car insurance or multiple driving violations.

What is an SR26?

If there is an sr22 filing on a car insurance policy and the policy cancels, the insurance company sends the department of motor vehicle a form called an SR26 letting the state department of motor vehicles know that the policy has canceled.

The filing is inexpensive.

Usually, the insurance company charges a fee to file it.

The reason for the SR22 filing can and usually will increase your premium.

Drivers who are required to file an SR22 on their insurance policy are usually required to keep it on their policy for 1 to 3 years, depending on the reason for needing it.

Drivers who are required to file to keep or reinstate their driving privilege and do not own a vehicle are required to obtain a non owner car insurance policy.

Drivers, who are notified they have a suspended license or notified they are now required to file an sr22 to avoid a driver license suspension, should contact their current company to see if they can file it for them.

Then shop for the most competitive rate.

Not companies offer the filings and if your current car insurance provider cannot or if you are currently uninsured, start by requesting quotes from three or four different companies.

Information and penalties for driver license suspension, reinstatement, revocations, filings and driver license reinstatement varies from state to state.

If you need detailed information, talk to an agent or refer to your state DMV or your current insurance company.