What is an SR-22?
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Asked July 6, 2010
Many people mistakenly belief that an SR-22 is an insurance policy, usually because the form is purchased through insurance companies and provided by them to the Department of Motor Vehicles or some other agency. In truth, an SR-22 if merely a form or certificate that states that you are carrying a liability insurance policy that matches the minimum mandated by law, or as part of a court order.
People who are convicted of driving without proper insurance are commonly required to carry an SR-22 form for at least a year. Other offenses, such as a DUI can result in the SR-22 requirement being extended for up to 5 years. This means that you would have to purchase an SR-22 every year until the obligation has been met, in addition to the regular vehicle insurance coverage required by law.
It is important to stress that having an SR-22 does not replace or increase your insurance coverage. The form is the government's method of supervising your financial responsibility and making sure that you are carrying insurance. If your liability insurance lapses during the period you are required to have an SR-22, you are considered to be in default on both requirements, and can be charged for each lapse as a separate offense under some circumstances. Remember, an SR-22 is a penalty imposed by law, and is not something that you can choose to optionally avoid.
Answered July 6, 2010 by Anonymous