Understanding an SR22

Let's go over a few key facts about SR22s.

• An SR22 is not a type of insurance. It's a filing attached to your policy — a form that verifies you have the minimum required insurance coverage under state law.
• It's often required for drivers who've been convicted of certain offenses, such as DUI/DWI, reckless driving, or driving without insurance.
• The SR-22 is not a policy itself. It's a document your insurance company issues to confirm you have the necessary coverage.
• The SR-22 is typically required for a specific period — often three years — during which you must maintain continuous coverage with no lapses.
• If you fail to maintain the required coverage, or the SR-22 lapses, your driving privileges may be suspended or revoked.
• The cost of adding an SR22 varies by factors like your age, driving record, and more.
• Not every insurance company offers SR-22 filings.
• Once the required period is complete and you've met all other requirements, you can typically request that the SR-22 be removed from your record.

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