How to Navigate SR-22 Insurance Requirements After an Accident

Experiencing an accident can be stressful, and dealing with the aftermath, including insurance requirements, can add to the burden. Understanding the process and requirements is crucial if you need SR-22-compliant insurance after an accident.

Understanding SR-22-compliant Insurance

An SR-22 is a certificate of financial responsibility required by the state. It is often mandated for drivers who have been involved in serious traffic violations, such as driving under the influence (DUI), reckless driving or driving without insurance. The SR-22 certificate proves you carry the minimum required auto liability insurance coverage.

After an accident, if you are required to obtain an SR-22, your insurance company will file this form with the state’s Department of Motor Vehicles (DMV) on your behalf. This filing demonstrates that you have the necessary insurance coverage to meet state requirements. However, not all insurance companies offer SR-22 filings. Your agent can help you find an insurer that specializes in high-risk policies.

Once you have identified an insurance provider offering SR-22 filings, you must purchase a policy that meets the state’s minimum liability coverage requirements. The cost of SR-22 insurance is typically higher than standard insurance due to the increased risk associated with drivers who require this certificate. Your agent can help you shop around and compare insurance quotes to find the best rate.

Maintaining SR-22 compliance requires diligence and attention to detail. To avoid coverage lapses, make all premium payments on time. It is also essential to keep your insurance provider informed of any changes to your policy or personal information, such as a change of address.

Learn More

Contact Insure One Way for an SR-22-compliant auto insurance quote. Our team can help you get the coverage you need to meet state requirements and protect your driving privileges.

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.