SR 22 Basics: Car Insurance Requirements for DUI, Suspended License, and More

Date posted: 06/28/2012

by Nadia Ibanez on
in Insurance

1180 SR 22 Basics: Car Insurance Requirements for DUI, Suspended License, and More

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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About Nadia Ibanez

Since 2006, San Diego resident Nadia Ibanez has inspired others with her words. She has created content and edited copy for luxury print magazines and digital business magazines. She has written about multi-million dollar homes, local artisans, music festivals, travel destinations, health and wellness, and so much more. She has interviewed CEOs of major enterprises and has covered breaking news stories in American technology, social media, retail, hospitality, food, among others. More articles by Nadia Ibanez

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