Securing auto insurance is a must if you want to avoid legal penalties and also cover yourself for accidents. Your local DMV will want to know that you have secured coverage after you’ve had your license reinstated, and they’ll request an SR-22 insurance form. It’s important to understand the purpose of this form so you can get back on the road without issue.

Your Guide to SR-22 Insurance

What is SR-22 insurance?

This insurance coverage lets your local DMV know that you have secured auto insurance so that you can have your license reinstated. It’s issued by your insurance provider and lists the details of your plan to confirm you meet your state’s basic coverage requirements.

If you’re a high-risk driver who is having their license reinstated following a DUI, reckless driving charge, or points violation, then insurance companies may be hesitant to provide you with coverage because of the liability. SR-22 proves that you’re meeting the minimum requirements despite being a high-risk driver.

What is the minimum coverage I need?

At the very least, you’ll need $25,000 per person coverage and $50,000 per accident coverage for bodily injury liability. Drivers need $25,000 coverage for property damage liability and $25,000 per person and $50,000 per accident. You’ll need the same amount for uninsured motorist bodily injury coverage.

How long do I need to file SR-22 insurance?

You’ll generally need to have your provider file a SR-22 form every three years. Offenses include suspension from no proof of insurance, point revocations, and court-ordered revocations. For accident suspensions and default payments, you’ll only need to file on the date that your license is reinstated.

What if I don’t own a vehicle?

If you plan on driving a vehicle that is not owned by you, then you’ll need to purchase a non-owners insurance policy and still file an SR-22 certificate. This ensures you’re covered when driving another person’s vehicle.

If you need SR-22 insurance assistance, Accredited Insurance Group, Inc. will help when you purchase an auto insurance plan. This Omaha, NE, insurance agency offers a wide scope of coverage, including home and renters insurance and commercial insurance plans. Visit their website to learn about all their options or call (402) 334-1780 to speak with an agent. You can receive more tips and updates by connecting on Facebook.