SR-22 Insurance & SR Bond

An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR-22 is not an actual "type" of insurance, but a form filed with your state. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.

Regulations vary from state to state. Usually, it is required by the court or mandated by the state only for certain driving-related violations. For example:

  • DUI Convictions
  • Reckless Driving
  • Accidents Caused By Uninsured Drivers

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Who Needs SR-22?

Not every motorist needs an SR-22. Laws vary by state, but in general, drivers may need to have their insurance company file an SR-22 form with the state department under the following circumstances:

  • Conviction for driving under the influence (DUI) or driving while intoxicated (DWI)
  • Serious and/or repeat traffic offenses
  • An at-fault accident with no insurance
  • License suspension or revocation

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How Long Do You Need SR-22?

SR-22 terms and requirements vary by state, but here are some guidelines to keep in mind:

  • You'll likely need to have an SR-22 showing continuous insurance coverage for about three years (longer in some states).
  • If your policy lapses or expires during this period, your insurance company is required to notify the state.
  • Failure to comply with the terms of your SR-22 may result in suspension of your license.
  • Once you properly fulfill your state's time requirements, your SR-22 status is typically lifted.