SR-22-Compliant Insurance for High-Risk Drivers

The state often mandates SR-22-compliant insurance for drivers who have committed certain traffic violations, such as DUIs or driving without insurance. SR-22-compliant insurance is not a separate type of insurance policy but a certificate that your insurance company files with the state to prove that you carry the minimum required liability coverage.

This certificate is often required for high-risk drivers involved in serious traffic offenses. The SR-22 form demonstrates that you have the necessary financial protection to help cover damage or liabilities that may arise from an at-fault accident.

Obtaining SR-22-compliant insurance typically involves notifying your insurance provider of your need for an SR-22 filing. Your insurer will then submit the SR-22 form to the state on your behalf. Not all insurance companies offer SR-22 filings, so you may need to shop around to find a provider that can accommodate your needs.

The Importance of Meeting SR-22 Requirements

Maintaining SR-22-compliant insurance is essential for high-risk drivers to stay legally compliant and avoid further penalties. Failing to maintain this coverage can result in severe consequences, including license suspension or revocation.

While SR-22-compliant insurance can be more expensive than standard auto insurance due to the increased risk associated with high-risk drivers, it is a necessary step toward regaining your driving privileges and demonstrating financial responsibility. Over time, maintaining a clean driving record and adhering to the terms of your SR-22 filing can help reduce your insurance premiums and improve your standing with insurance providers.

Learn More

Contact Prescott & Craig, Inc. to compare SR-22-compliant auto insurance quotes from area insurers.

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.