High Risk Auto Insurance
What Is a SR-22?
High Risk Auto Insurance for DUI, SR22, DWI, Distracted Drivers, Teens, & more.
The term high risk can be used in different ways. Sometimes it refers to one driver being a higher risk than another. It can also be used in reference to a driver not eligible for insurance through a preferred carrier. In the United States, a SR-22 or a (certificate of Insurance or a financial responsibility filing), is a vehicle liability insurance document required by most state DMV locations, for HIGH Risk insurance policies. A DMV may require a SR-22 from a driver to reinstate his/her driving privileges following an uninsured car accident or conviction of another traffic-related offense, like a DUI. A SR-22 may be required by the driver for 3 years for a conviction of driving without insurance or driving with a suspended license and possibly up to 5 years for a DUI. If your SR-22 would expire or be cancelled, the insurance company is required to issue a SR-26 form which certifies the cancellation of the policy. Some states may accept a SR-22 as an alternative to a deposit in cash as proof of financial responsibility. |
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