SR-22 Insurance- What it Covers and How to File

If you’re a driver who’s been convicted of a serious traffic offense, you may have heard of SR-22 insurance. However, it’s important to note that SR-22 is not an insurance type but a form that must be filed to prove your auto liability insurance complies with financial responsibility laws. Here’s what you need to know about SR-22 insurance.

What does SR-22 Insurance Cover?


SR-22 insurance does not cover anything on its own. Instead, it’s a form that confirms you have the necessary auto insurance coverage to meet minimum liability requirements.

What Auto Insurance is required for the SR-22 Form?


If you need to file an SR-22 form, you must prove that your policy meets your state minimum auto insurance requirements. These requirements include bodily injury liability, which can help pay for medical costs for third parties injured in an at-fault accident, and property damage liability, which can help pay to replace or repair third-party property after an at-fault accident.


While having liability coverage satisfies auto insurance rules, you may also need full coverage auto insurance if you have a lease or auto loan on your vehicle. Full coverage auto insurance typically includes collision and comprehensive coverage, which may help pay to replace or repair your covered vehicle after an accident. Additionally, your agent may recommend further customizing your coverage with uninsured/underinsured motorist coverage, rental reimbursement coverage, and medical payments coverage.


How to File an SR-22 Form


Contact your insurer or agent immediately if you need to file an SR-22 form. The driver’s insurer must file the form on the insured’s behalf. It’s important to note that you may need to file an SR-22 form even if you don’t have a vehicle registered in your name. In this case, non-owner car insurance can help you comply with minimum liability requirements to reinstate your license or keep your driving rights.

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