Often when the term SR-22 is heard we automatically think of DUI’s. However, getting a DUI is not the only way to land yourself the need for one. Something we run into quite often is having clients call to get an SR-22 and they have no idea what it is, they just know they need it to get their driver’s license back. When you’re in the position where you need one of these filings it can be frustrating having to spend more money on insurance than you already do, especially on something that you don’t fully understand.
What is an SR-22?
An SR-22 isn’t an insurance policy, but it does show that you have enough coverage. This document is used to prove that you have high-risk liability coverage. Having too many points on your driver’s license after multiple driving violations or being convicted of a major driving infraction like reckless/negligent driving, fleeing the scene (hit and run), street racing, or a DUI all could cause your driver’s license to be revoked or suspended. Each state will have its process to reinstate your license, and this is where the SR-22 will come into play. An SR-22 is also known as a statement of responsibility. The DMV wants to know that you are continuing sufficient coverage over two to five years, depending on the state.
How can I get an SR-22?
These certificates are provided by insurance companies and in most cases can be added to your existing auto or motorcycle insurance policy. You cannot get the SR-22 certificate on its own. If you do not already have an existing auto policy with state minimum liability limits then you will need to also obtain a named operator/non-owners policy. This is a policy offered in the case that you do not own or need to insure a vehicle and you can add the SR-22 to these policies as they carry state minimum liability insurance. Typically if you are in need of an SR-22 you will experience higher insurance rates due to being considered a high-risk driver.
How long do I need to keep the SR-22?
The amount of time required to hold your SR-22 will vary by state. In Nevada, it is typically 3 years. Keep in mind the state or DMV wants to see 3 continuous years of coverage. These certificates are like an insurance policy where the payments must be made on time and it is crucial there are no lapses in coverage. If a lapse in coverage occurs, the time you’ve had the SR-22 will reset. This means if you’ve had the SR-22 for 2.5 years and for whatever reason your policy cancels, the DMV will be notified and you will have to start over for another 3 years. We recommend setting your policy up for autopay and if possible, paying in full for six months or a year.
Here at Capital Insurance Service, we have multiple options for all your insurance needs, including SR-22 certificates. Our licensed agents are ready to answer any questions you may have.
Call us today at 775-853-3388 for the Reno location and 775-883-4433 for the Carson City location.
