How SR-22 Insurance Affects Your Driving Record and Future Premiums

It may seem daunting to be notified that you need SR-22 insurance. Whether from a DUI, reckless driving incident, or too many traffic violations, SR-22 insurance can affect your wallet and driving history, but it’s an important coverage to carry to keep driving responsibly.

What Is SR-22 Insurance?

SR-22 isn’t actually a type of insurance; it’s a certificate that your insurer files with the state to prove that you carry the minimum required liability coverage. You may be required to carry it after the following:

• A DUI or DWI conviction
• Driving without insurance
• Repeat or numerous traffic offenses in a short period of time
• License suspension or revocation

How Does an SR-22 Impact Your Driving Record and Insurance Premiums?

An SR-22 filing indicates a major driving offense has been committed. This may lead to increased scrutiny from insurers and limitations on your driving privileges. Unfortunately, an SR-22 usually results in higher insurance premiums because drivers with them are considered high-risk to insure. This can lead to fewer discounts or bundling options, and may also limit your access to standard insurance policies.

The length of time you’re required to maintain an SR-22 can depend on where you live and why the mandate was imposed on you. If you don’t file when you’re notified to, or if your auto insurance lapses during this period, your insurance carrier must notify the DMV. You may then face fines or other penalties.

Contact Us

Qualified insurance companies can help you with your SR-22 requirement by adding it to your policy and filing the form with your local DMV. Contact Insure All Associates in Orange Park, FL for a quote or more information.

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.