An SR-22 is not insurance; rather, it’s a certificate that proves you have the minimum required insurance coverage mandated by the state you live in. Here’s a breakdown:
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**What is SR-22? ** SR-22 is a form that’s filed with the state’s Department of Motor Vehicles (DMV) or similar agency by your insurance company. It’s also referred to as a Certificate of Financial Responsibility. It’s typically required for individuals who have been convicted of certain driving violations, such as DUI/DWI, reckless driving, driving without insurance, or multiple traffic offenses.
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**Purpose: ** The purpose of an SR-22 is to demonstrate that you have the necessary insurance coverage to meet the state’s minimum liability requirements. It’s often required for drivers who are considered high-risk due to their driving history.
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**Who Needs It: ** Not everyone needs an SR-22. It’s usually mandated by the court or required by the state for individuals with serious or multiple driving violations. If you’re required to have an SR-22, you’ll be notified by the court or your state’s DMV.
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**Cost: ** Getting an SR-22 typically incurs a fee from your insurance company, and it may also result in higher insurance premiums because you’re considered a high-risk driver.
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**Duration: ** The length of time you’ll need to maintain an SR-22 varies depending on the state and the reason you need it. It could range from a few years to several years.
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**Coverage: ** The SR-22 itself doesn’t provide insurance coverage; it simply serves as proof that you have the required insurance coverage. You’ll need to purchase an insurance policy that meets your state’s minimum liability requirements, and your insurance company will then file the SR-22 on your behalf.
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**Consequences of Non-Compliance: ** If you fail to maintain your SR-22 coverage as required by the state, your insurance company will typically notify the state, which could result in the suspension or revocation of your driver’s license.
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