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How Do I Know If I Need SR22?

July 20, 2023 - Posted by: - In category: GA SR22, Non Owner, Non Owner GA, Non Owners Insurance, Non Owners Insurance (SR22), SR22, SR22 in GA, SR22 in SC - No responses

An SR-22 is a certificate of financial responsibility that is required by some states for drivers who have been deemed high-risk. This includes drivers who have been convicted of DUIs, driving with a suspended license, or other major traffic violations.

If you are unsure if you need an SR-22, there are a few things you can do to check.

  • Contact your insurance company. Your insurance company can tell you if you are required to file an SR-22.
  • Check your state’s DMV website. Many state DMV websites have information about SR-22 requirements.
  • Review your driving record. If you have any recent DUI convictions, driving with a suspended license, or other major traffic violations, you may be required to file an SR-22.

If you are required to file an SR-22, you will need to purchase an insurance policy with the minimum liability limits required by your state. You will also need to file the SR-22 form with the state.

The length of time you will need to file an SR-22 varies from state to state, but it is typically 3 years. If you fail to file an SR-22 or keep the insurance policy in force, your driver’s license may be suspended or revoked again.

Here are some of the reasons why you might need to file an SR-22:

  • You have been convicted of a DUI.
  • Your driver’s license has been suspended or revoked.
  • You have been involved in a major traffic accident.
  • You are applying for a commercial driver’s license (CDL).

If you are unsure if you need an SR-22, it is always best to check with your insurance company or your state’s DMV website.

Here are some tips for understanding SR-22 requirements:

  • Read the fine print. The requirements for obtaining an SR-22 are typically spelled out in the state’s motor vehicle code. Be sure to read the code carefully so that you understand all of the requirements.
  • Contact your insurance agent. Your insurance agent can help you understand the SR-22 requirements in your state and can help you find a policy that meets your needs.
  • Be prepared to pay a higher premium. SR-22 insurance is typically more expensive than regular insurance. This is because high-risk drivers are more likely to file a claim.
  • Keep your policy in force. Once you file an SR-22, you will need to keep the insurance policy in force for the specified period of time. If you cancel your policy early, you may face serious consequences.

By following these tips, you can help ensure that you understand the SR-22 requirements in your state and that you are able to comply with them.