Cars - What Is An SR22 Coverage?

What Is An SR22 Coverage?

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An SR-22 is required for some motorists to operate a vehicle.

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A Certificate of Financial Responsibility (CFR), more commonly known as an SR-22, is a certificate required by individual states that proves you have auto insurance liability coverage. Most often, it applies to individuals with certain driving violations that make them a high risk. An SR-22 is much more costly than regular auto insurance coverage and if mandated in your state, you will need to purchase it to maintain driving privileges.

Who Needs an SR-22

1. You may be required by your state to purchase an SR-22 from your auto insurance carrier if you had a high risk violation such as a DUI conviction, a reckless driving citation or were in an accident without having auto insurance. You may be ordered by the courts or notified by the Department of Motor Vehicles to purchase an SR-22 if you want to be allowed to continue your driving privileges.

How to Get an SR-22

2. You'll need to contact your auto insurance carrier to purchase an SR-22. It's not uncommon to have to pay up to four times more for an SR-22 certificate than regular no-fault insurance.

Non-Owners SR-22

3. In many states if you don't own a car but still drive (for example, a company car or a family member's car) you will still be required to purchase an SR-22 Non-Owners certificate if you've had certain violations.