SR-22 insurance is different from other types of auto coverage, and it’s only required in rare cases. If you’ve been identified as a high-risk driver, you may receive a notice that you can only continue driving if you obtain an SR-22 certificate. This certificate is proof that you meet the financial responsibility requirements that will allow you to continue driving. The following overview will give you a better understanding of this requirement.

4 FAQ About SR-22 Insurance

When would it be required?

There are several reasons you may be required to acquire this certification. If you’ve been cited for multiple driving infractions in a short span of time, or if you have been convicted of a DUI, you’ll likely have to obtain the special certification. The requirement can also be applied if you have been cited for driving without car insurance or a valid license.

How is an SR-22 obtained?

To get an SR-22 certificate, you’ll have to obtain auto insurance. If you have been cited for not having insurance, this will be a necessary first step. Once you have an active insurance policy, your insurance agent will help you start the filing process. 

There’s a filing fee that ranges between $15 and $50, depending on the insurance company you choose. You may also have to pay a penalty of up to $250 if you’ve had an insurance lapse.

How will it affect insurance coverage? 

When you apply for the SR-22 insurance certificate, your provider will be made aware of the offenses you committed. If high-risk behavior, such as a DUI or reckless driving, led to this requirement, you can expect to see a significant increase in your monthly premium. You may also have to pay more for coverage, or risk being dropped by your current provider, for any other reason that prompted the need for an SR-22 certificate.

How long does it take for the certificate to arrive?

The entire process can take up to 30 days or longer, so you’ll want to get started as soon as you’re notified that you need a SR-22 certificate. In some states, you can reduce your wait time by filing online. However, most states require you to file in person. The certificate is also mailed to you, so the wait time will also depend on mail service in your area.

If you’re looking for an insurance provider that offers SR-22 certifications, turn to Lafever Insurance Agency in Cookeville, TN. Their team of agents can help you with all of your auto insurance needs, including SR-22, as well as affordable car, mobile home, and motorcycle insurance policies. They work hard to insure all their clients, including high-risk and foreign drivers. Contact them online, or call (931) 526-3377 for more information.