What is an SR22 Filing?
If you’re inquiring about “SR22 insurance”, there are only a couple of general reasons why. Either you’ve been caught operating a vehicle without proof of liability insurance, or you’ve been ordered by a judge to obtain an SR22 for any number of reasons, including being found guilty of driving under the influence (DUI).
An SR22 is NOT insurance or a type of coverage similar to liability or physical damage coverage.
It is simply a form, filed with your state department of insurance that demonstrates or proves you carry at least the state mandatory minimum limits of insurance. Typically, the form is filed by your insurance carrier on your behalf.
SR22 Insurance FAQ:
Q: Can I drive anyone else’s vehicle if I maintain an SR22 on my personal auto policy?
A: Yes, your state department of insurance is concerned with your having proof of liability coverage, which would allow you to operate another person’s car.
Q: Can I get an SR22 if I do not own my own vehicle?
A: Yes, you may obtain a non–owner personal auto policy with an SR22 filing.
Q: How much does an SR22 cost?
A: There is no set fee for an SR22. You can expect to pay somewhere between $15 and $30 to obtain one.
Q: If I already have an SR22 filed on my personal auto policy, do I need one for a commercial auto policy too?
A: No, you do not need a separate SR22 filed on a commercial auto policy if you have one filed on your personal auto policy (and vice versa).