SR-22 Basics For Uninsured And Underinsured Drivers

Posted on: 23 November 2015

What Is an SR-22?

SR-22 is not an insurance policy; the SR-22 form is a certificate that provides proof of automobile insurance. An SR-22 form typically applies to drivers who have been identified by the Bureau of Motor Vehicles to be high-risk drivers. Examples include drivers who were involved in an auto accident while uninsured or underinsured. Drivers who committed a crime while driving, such as Driving While Intoxicated, are also required to provide an SR-22. An SR-22 is simply a document that is required by the Bureau of Motor Vehicles as proof that a driver is currently insured with a policy that provides proper coverage. This document must be renewed on a regular basis and submitted to the BMV immediately. Without this document, an individual may have their driving privileges revoked until they provide proof of proper insurance coverage. In some cases, individuals may be arrested and face jail time along with hefty fines and fees for not having this document.

How to Obtain an SR-22

The SR-22 form is obtained from the insurance company that provides the insurance policy for the individual in question. It is the responsibility of the individual to ensure that the SR-22 is forwarded to the Bureau of Motor Vehicles; the staff at the BMV will not take care of this task. Some insurers will forward this form to the BMV as a courtesy to the insured party. The form should be forwarded to the BMV immediately upon receipt of the insurance policy. The insured should also keep a copy of the form with them in their vehicle in case they are detained by police for a traffic infraction. If the individual gets a new policy or changes insurance companies, a new SR-22 should be issued and forwarded to the BMV. An individual caught driving without proper insurance, or who was involved in an accident without proper insurance will be required to have an SR-22 on file for three years. Individuals convicted of a DUI/DWI offense will be required to have this form on file for five years.

Does an SR-22 Affect Insurance Premiums?

Since drivers who are required to have an SR-22 on file are typically considered to be high-risk, this can cause them to pay increased insurance premiums. In addition, most states charge a $25 filing fee for the SR-22. The insurance company will pay the state, then recoup this cost from the insured party. Contact a local insurance company, like Angel Auto Insurance, for more information.

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