The Truth About SR-22 Insurance: What It Is and Who Needs It

SR-22 insurance can be confusing for many people. If you’re told you need this type of coverage, it’s important to understand exactly what it is and how it works. Avoiding an SR-22 requirement can land you in hot legal water and may even affect your driver’s license eligibility.

What Is This Requirement?

An SR-22 form is something submitted on your behalf by an insurance company. In Texas, this form is filed with the Department of Public Safety. In other states, it may be sent to the Department of Motor Vehicles (DMV) or similar organization. Summarily, an SR-22 acts as proof that you have adequate levels of insurance coverage to legally drive in the state.

The term “SR-22 insurance” may generally refer to specialized policies designed for drivers who must file this form. It often includes at least minimum levels of liability insurance.

Who Needs It?

An SR-22 form is typically required for high-risk drivers. These may include:

• Drivers with a DUI conviction

• Drivers who caused multiple accidents

• Drivers who operated a vehicle without proof of financial responsibility (i.e., insurance)

• Drivers who drove with a suspended license

If you need to file an SR-22, you should receive notice in the mail.

How Do I Get an SR-22?

Not all insurance companies work with drivers who need to file an SR-22. If you received notice to file an SR-22, talk to your insurance broker to figure out the next steps.

Universal Tax & Multi Services can help you navigate these and other insurance requirements. Contact us today for help understanding SR-22 insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.