SR22 Insurances

Reader’s Question:

What are SR22 insurances? I was advised to get this after I was arrested for DWI but they didn’t really explain what this is.

Jonas

Montgomery, AL

An SR22 is a document that proves the financial obligation of a motorist who has been apprehended because of the following circumstances:

- Driving a vehicle with an expired insurance policy
- Driving under the influence of drugs or alcohol (DUI)
- Driving while intoxicated (DWI)
- Accumulating tickets for various traffic violations within a short span of time

Motorists who are caught committing any of the above offenses usually have their licenses revoked and their driving privileges suspended. In order to legally drive a vehicle again, suspended must have an accredited insurance firm file an sr22 on their behalf to assure the state’s Department of Motor Vehicles (DMV) that they have minimum liability coverage in the event of an accident.

sr22 insurances are designed to protect the lives and property of both the driver and his potential victims, while concurrently reprimanding the driver for his road offenses.

SR22 insurances follow specific terms of validity. A driver must usually carry the sr22 for a period of three years, similar to the probationary period after committing a criminal offense. If a driver allows his SR-22 insurance policy to lapse or has it cancelled, the insurance firm informs the DMV at once, hereby canceling driving privileges once again.

SR22 insurances vary per state. A driver must check the requirements with the state’s DMV to ensure that he is abiding the insurance terms and conditions.