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What is an SR-22?
An SR-22 is a form that shows that you have car insurance. It is required by the state for drivers who are high risk. Here are some of the reasons a state may require you to file an SR-22 form:
- DUI (drunk driving) conviction.
- Serious moving violations such as reckless driving.
- Racking up a lot of highway points in a short period of time.
- Being pegged as a habitual traffic offender.
- Causing an accident while uninsured.
Regulations vary from state to state, but high-risk drivers usually have to carry SR-22 insurance for three years.
Policies with an SR-22 are going to be more costly than a standard auto policy.
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