What is an SR22 Auto Insurance?
Reader’s Question:
Is there such a thing as sr22 auto insurance? I am really confused about this.
Jacob
West Covina, CA
No. There is no such thing as sr22 auto insurance.
What there is, however, is an sr22, which is a bond, or document or certificate that is required by the state to check if an individual is maintaining auto insurance liability coverage. Since this is government mandated, individuals in need of a sr22 will be duly informed by the state’s Department of Motor Vehicles (DMV). More often than not, drivers caught driving under the influence, driving while intoxicated, and driving with an expired insurance policy are required to get a sr22 coverage.
The sr22 may be mistaken as an actual auto insurance policy because it must be filed by an insurance firm that officially operates within the area. By filing the certificate with the state DMV, the driver, whose driving privileges have been suspended, can officially use a vehicle once again, for a period of three years. Once the three-year “probationary period” has been fulfilled, these rehabilitated drivers will have their licenses officially renewed.
With the number of auto insurance providers offering sr22 filing services, it would be best to check the state DMV website to find out which companies work more efficiently to adequately reinstate driving privileges.
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