What Is SR-22 Coverage?

SR-22 is not an insurance policy. It is a certificate of financial responsibility required by the state’s Department of Motor Vehicles (DMV) or equivalent authority that proves you have the minimum required auto insurance coverage mandated by state law.

The SR-22 form is used to verify that you meet the state’s insurance requirements after specific infractions.

Why Would You Need SR-22 Coverage?

The need for SR-22 coverage typically arises from legal issues or violations that indicate a higher risk to insurers.

One of the most frequent triggers for SR-22 requirements is a driving under the influence (DUI) conviction. You may have to file SR-22 as a condition of license reinstatement.

If your driver’s license has been suspended or revoked due to traffic violations, non-payment of fines or other issues, you may be required to file an SR-22 once your license is reinstated.

In some states, if you are involved in an at-fault accident and fail to carry the required insurance, you may be required to file an SR-22.

How Does SR-22 Coverage Work?

SR-22 coverage operates through your insurance provider, who files the SR-22 form with the appropriate state agency on your behalf. Not all insurers will provide SR-22 filing, so it’s crucial to work closely with an agent who can help you find the proper coverage for your situation.

The SR-22 form will indicate that you have the minimum liability insurance required by state law. While SR-22 itself does not specify the type or amount of coverage, it confirms that you are compliant with the state’s requirements.

The requirement to maintain SR-22 coverage usually lasts for a specified period, often ranging from one to three years, depending on the violation and state laws. During this period, you must keep your insurance policy active and adhere to all the state’s insurance requirements.

The DMV or state agency monitors your SR-22 status. If your insurance policy lapses or is canceled, your insurer is obligated to notify the state, which can lead to additional penalties or license suspension.

Contact Us

If you’ve received notice that you must file SR-22, contact Xpress Insurance in San Antonio, Texas, for SR-22-compliant coverage. Our agents work with insurers offering SR-22 filing and can help you get appropriate auto insurance coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.