One of things that a vehicle owner must be aware of is vehicle liability insurance. Such liability insurance helps to cover damages that the vehicle causes to other people and to their property as well. It is extremely important for a car driver or an automobile owner to have such insurance. Another certificate of insurance that comes into play is known as SR-22. Even though it is known as SR-22 insurance, it is in fact simply a certificate of financial responsibility. It is a type of vehicle liability insurance that comes into play for high-risk car insurance policies.

Its salient features

An SR-22 insurance is:

  • Not a type of insurance
  • Required by a few states in the USA
  • Needed to reinstate driving privileges
  • Court ordered
  • A proof of minimum liability coverage.

The term for an SR-22

An SR-22 insurance is needed by the Department of Motor Vehicles by different states. Of course, not all states need an SR-22 insurance. While the length of an SR-22 insurance may differ from state to state, typically, it may be needed for 3 years when it comes to:

  • Driving without insurance and
  • Driving with a suspended license.

It can be needed for up to 5 years for driving under the influence or DUI. It is mandatory for an individual to maintain an SR-22 for this court-specified duration. If for some reason, an individual fails to maintain the SR-22 insurance, then the car insurance company will notify the state government accordingly.

How does one file an SR-22?

All the paperwork is done by the auto insurer or car insurance company. There are plenty of information sources on the Internet itself such as who will enable you to take an informed decision about which car insurance company will provide you with the most cost-effective rates for filing an SR-22 insurance certificate. It would be useful for you to call for multiple price quotes from different insurance agents and companies and then choose the one that makes the most sense.

You may also be able to find a list of authorized insurance providers in the websites of different states. Considering the fact that each state may have its own rules and regulations when it comes to an SR-22 insurance, it does make a lot of sense for you to look through their websites as well.

What happens if the driver’s license has been suspended?

Even if an individual does not own a car and has had his or her driver’s license suspended, he or she may still need proof of insurance to get the license reinstated. This is where you need to get into non-owner auto insurance with the help of an SR-22 insurance certificate. Once you have obtained the right SR-22 insurance policy, you will need to maintain the same with regular payments for the specified amount of time. Failure to do so could result in an extension of the SR-22 timeframe and maybe even attract another suspension of the driver’s license. In some cases this could also result in extra driver’s license reinstatement fees.

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