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A Guide to SR22 Insurance

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Things can happen unexpectedly where you will have to shell out finances, but you can protect yourself by getting insurance for different things. There is a kind of insurance called SR22 insurance which most people don’t exactly know about. SR22 is related to car insurance and this will be explained below.

If you want to prove that you carry car insurance, then you need an SR22 insurance certificate. You can also call this an SR22 car insurance or a certificate of financial responsibility filing. Every state requires car owners or driver to purchase insurance coverage for a specified period of time, and your compliance with this requirement is shown by your SR22 certificate at

If you have traffic violation records, then you will need an SR22 coverage for these, the specifics are given here. This includes DUI or DWI, at-fault accidents, reckless driving, driving without insurance coverage, driving with a suspended license, and more.

Every state has a minimum requirement for car insurance, and an SR22, which is not really car insurance, merely states that you have complied with these requirements. The SR22 provider is certifying that your driving is covered for certain car insurance-related circumstances.

A free SR22 certification is sometimes given for free when you get your car insurance policy. However, not all car insurance companies give free SR22 certification at so you may have to shell out some amount for this.

If you are going to get SR22 certification, check out your state requirements because it varies for each state. But most states will only require you to purchase a car insurance policy and it is enough to acquire coverage for your SR22. Filing for insurance in your state would necessarily require a driver’s license or any other identification number for filing, and this is the basic requirement.

With online application for SR22, the process is fast and easy. You can apply online and they will send your SR22 electronically which you will receive on the same day. If you want additional coverage to your policy, then it is also easy to apply for it online.

Most states require drivers to have SR22 coverage along with their insurance policy for about three years. Make sure you check your state requirements for this.

Once your SR22 lapses, then your insurance company should contact the DMV. Depending on your state, you can lose your driver’s license and many other consequences upon the expiration of your SR22. But you can prevent and SR26 from being sent to the state this by making payments of time. SR26 cancels your SR22. Find out some more facts about insurance through

SR22 certificates come in three types. You need an operator’s certificate if the car you are driving is not your own but is rented or borrowed. This can be used as a non-owners car insurance policy. If you own and drive your own car then you need the owner’s certification. If you own and drive your own car but on occasion borrow or rent one, then it is best to get the operator/owner form which is a combination of the two.