What is an SR22 or Certificate of Financial Responsibility?
An SR22 is an obligatory document for many people looking to have their driving privileges reinstated. It proves to the state that the individual has the required vehicle insurance coverage. COFR, Certificate of Financial Responsibility, is another term for this type of insurance, though it’s important to remember that it is not a type of car insurance. The SR22 is a form of proof of insurance that is provided by the insurance company to the state that asks for it.
The SR22 is a way to show the state you have the right coverage and are able to drive again. It can be referred to as SR22 insurance, but again, it is not auto insurance. This document is proof of your insurance policy, and is supplied to the state by your insurance company.
In order to meet the requirements for your state, you need to keep both your SR22 and auto insurance policy active for an approximate period of three years. If your insurance policy has lapsed, your insurer is legally obligated to inform the DMV. If this happens, your license will be suspended until you reinstate your insurance. When you have fulfilled your SR22 obligations for the designated amount of time, your SR22 status will be taken off.
Do I need SR22 insurance?
You may need SR22 insurance in the following situations:
- You have a moving violation against you, such as DWI and DUI.
- Multiple traffic violations within a short time span.
- You were behind the wheel without insurance and caused an accident.
- Not carrying car insurance on a registered vehicle.
- You have unpaid child support.
- You need to reinstate a revoked or suspended license.
Types of SR22 Coverage
- Liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Comprehensive coverage
- Roadside/rental coverage
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