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Most states require that you provide proof of liability auto insurance before you title or register a car or truck with their division of motor vehicles (DMV).
In these cases, a copy of your auto insurance policy or car insurance card will usually suffice. Other situations, particularly those that involve traffic violations, require your insurance company to show the DMV proof that your motor vehicle is insured.
SR 22 auto insurance is an insurance policy rider that car insurance companies use to guarantee that you will keep your insurance policy active for a specified period of time. In other words, the SR22 form serves as proof of car insurance.
If you keep a clean driving record you will probably not be asked to submit a SR 22 form to your state DMV office. An exception to this is if there is a lapse in your insurance coverage that exceeds 30 days.
For example, Pennsylvania’s Department of Transportation (DOT) will suspend your driver’s license for three months if your insurance policy is inactive for 31 or more days. Penalties for the lapse include having your motor vehicle license plate, registration card, and sticker revoked.
Your driver’s license and motor vehicle registration will not be reactivated until you show the DMV proof that you have insurance. You might also be required to show proof that the amount of coverage you have meets state liability insurance requirements. Mandatory state auto insurance levels are generally posted on state DMV websites.
Traffic penalties (e.g. excessive traffic tickets for speeding) can cause your state DMV to require you to submit a SR 22 form. Generally, you will not be allowed to operate your motor vehicle until you submit a SR 22 form to your state DMV office.
If you are ordered to appear in court to address a traffic violation, the judge might also order you to file a SR 22 with the DMV. Reasons that you could be ordered to submit a SR 22 form to your state DMV include:
- You are convicted of driving under the influence (DUI).
- You received a license suspension.
- Excessive points are recorded on your driver's license (due to traffic accidents, etc.).
- You were convicted of driving without car liability insurance.
As previously discussed, you could also be ordered to submit a SR 22 form to your DMV office if the insurance on your motor vehicle lapses by more than 30 days. For this reason it is important that you renew your car insurance policy in advance of the expiration date.
Contact your insurance agent immediately after the state or court orders you to file a SR 22. Ask your auto insurance agent to send you a copy of your SR 22. Details provided on the form include:
- Your first and last names.
- Street address.
- Driver’s license number.
- Date of birth.
- Social Security number.
- Auto insurance policy number.
- Make, model, and year of your car or truck.
- Start and end dates of your insurance coverage.
The name of insurance company that your vehicle is covered through is generally printed at the bottom of the SR 22 form. An authorized representative from the car insurance company must sign and date the form.
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Insurance Resource Center
- SR 22 Requirements
Find out how the SR-22 form verifies your insurance coverage for a specified amount of time.
- SR 22 Filing
Get Info On Where And How To Handle SR 22 Filing And Obtaining Proof Of Insurance. Learn More On How Traffic Ticket, DUI And No Auto Insurance Penalties Can Require You To File A SR22.
- SR 22 Form
Where To Obtain A SR 22 Form If The State Or Court Requires You To File A SR22. Learn More On Obtaining Proof Of Insurance And Handling SR22 Filing With An Auto Insurance Company.
- Certificate Of Financial Responsibility
Certificate Of Financial Responsibility Info. Get The Facts On SR 22 And Proof Of Insurance. Info On Court- And State-Ordered SR22 Filing And Working With An Auto Insurance Company.
- How To Determine If You Need A SR 22
Info On Court- And State-Ordered SR 22 And Handling Car Insurance. Find Out If You Are Required To File A SR22. In Many Cases A DUI Penalty Involves SR 22 And Proof Of Auto Insurance.
- What To Do If Your SR 22 And Auto Insurance Policy Lapses
Penalties For Allowing Your SR 22 And Auto Insurance Policy To Lapse. Failing To Obtain Proof Of Insurance Could Cause You To File SR22 A Second Time And Restart The Term.
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