Is your driving record spotless? If you have an SR22, you might be going for a clean driving record. But insurance mandates might prevent you from reaching that perfect record!
If you’ve never heard of an SR22, they’re common insurance terms, usually meaning that you need an auto insurance high-risk policy. Framed another way, your car insurance company or your state requires you to buy this special policy to drive.
This guide breaks down everything you need to know about SR22 insurance and whether your SR22 shows up on your driving record. Check out our breakdown before deciding to buy an SR22!
What Is an SR22?
SR22 is a form that is filed with the state department of motor vehicles (DMV). It is by an auto insurance provider to prove the car insurance policy meets the state’s least required auto insurance.
It is often referred to as a Certificate of Financial Responsibility (CFR). This form shows that the individual has been ordered by the court or the state. It is to file the SR22 has an active car insurance premium that meets or exceeds the state’s minimum.
How Long Does an SR22 Stay On Your Driving Record?
It stays on your driving record for different lengths of time, depending on the individual state. But typically, an SR-22 remains on record for three years.
After three years, your insurance company must submit a new form. It is for verifying that you have auto insurance coverage.
Beyond three years, an SR-22 will usually stay on your driving record for six to ten years. It depends upon the circumstances under which it was issued.
Other States and Their SR22 Requirements
In Georgia, all drivers convicted of DUI, hit and run, or excessive speeding must have an SR22. Most states require at least a three-year policy for the driver who needs an SR22.
Idaho requires that drivers have an SR22 insurance policy with their state’s minimum limits for three consecutive years. In Wisconsin, SR22 is for drivers with one or more convictions for DUI.
California requires drivers convicted of DUI to provide proof of insurance as well as an SR22 form for three years, depending on the severity of the offense. Similarly, Illinois mandates drivers who have had license suspensions or revocations due to driving under the influence to carry an SR22.
Understand Your SR22 Insurance Policy
It is a type of liability insurance that ensures a driver is insured. As well as being financially able to pay for any damages caused due to an accident.
It is important to understand the requirements and restrictions of SR22 insurance. The policy may need to update or renewed if the driver receives a traffic violation.
It is also important to take into consideration the cost of the policy. It may be more expensive than traditional auto insurance, so learn more about this and get the easiest way online.
A Guide to Sr-22 on Your Driving Record
You have now learned that your SR22 appears on your driving record. So, make sure to contact your state’s DMV to confirm and then take proper action if necessary.
Use the guide to make sure that you are aware of what SR22 means and how to handle it. Get your paperwork to be safe and legal on the road.
Looking for more tips? Read some of our other articles, which are full of vital information.
