Depending on where you live (see below), your state might require an SR-22 document following the suspension or revocation of your driving privileges from DWI or some other serious driving offense.
What’s SR-22?
An SR-22 is written by an insurance company as verification that you have car insurance coverage, as required by a court or state law.
NOTE: All states have SR-22 insurance requirements except Delaware, Minnesota, New York, Kentucky, Oklahoma, Pennsylvania, and North Carolina.
Why Have SR-22?
Generally, states require drivers to file SR-22 forms to ensure they have adequate auto insurance coverage following some serious traffic incident, such as drunk driving.
NOTE: DUI and DWI are serious offenses, and even if your state offers the SR-22 option, it doesn’t mean you’ll get it. Talk with a DUI or DWI attorney for assistance.
What Do SR-22 Forms Include?
These are some of the items you’ll need to disclose on the document:
- Your driver’s license number.
- Your Social Security number.
- Your date of birth.
- Certain vehicle information, such as your car’s Vehicle Identification Number (VIN).
- The start and end dates of your auto insurance plan.
Not all insurance companies offer SR-22 forms. When applying for an SR-22, you will need to comply with your state’s car insurance laws by meeting the minimum coverage amounts.
In most cases, an SR-22 must be carried for a minimum of three years.
Do I Need SR-22 if I Don’t Own a Vehicle?
Even if you do not own a vehicle, you are still required to fill out this form. The SR-22 only covers you and doesn’t provide protection for other family members.
Keep in mind that the document isn’t specific to one vehicle. An SR-22 serves as a driving pass, so to speak, allowing you to legally drive regardless of car.
What Does SR-22 Cover?
Depending on where you live, SR-22 typically only provides the minimum coverage required. In several states, this coverage includes property damage and bodily injury liability.
Do you have experience with SR-22? What advice can you offer drivers facing filing SR-22 after license suspension?
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