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What is SR22 Insurance and Certification?

If you have never heard of SR22 insurance, it’s probably because you have never been required to carry it. However, if you are driving without liability insurance, and you are involved in an accident, you will likely be ordered by a court to carry an SR22 certificate.

An SR22 is a financial responsibility certification that is tied to your insurance coverage and is designed to protect others. It ensures that those who might not otherwise carry the coverage necessary to pay for damages caused by an accident, are held responsible when they are found to be at fault.

Do I Need SR22 Coverage?

Almost every state will require SR22 certification if you have been convicted of a DUI, DWI, or any serious moving violation. You could also be ordered to purchase this type of insurance if you have had your license suspended or revoked, or if you have multiple traffic offenses in a relatively short period of time.

When you appear in court for any serious driving-related offense, the judge may order you to carry SR22 insurance. Because failing to comply with a court order carries serious consequences, it is important to contact an insurance company that specializes in SR22 insurance and can provide the coverage you need quickly and at a reasonable cost.

 How Long Will I Have to Carry SR22 Coverage?

Usually, you will have a specific amount of time you are required to carry the SR22. Each state is different, but it is usually a three-year requirement. After three years, your SR22 status expires, and you will be able to purchase more affordable insurance coverage.

While you are required to carry SR22, your auto insurance company must notify the state immediately if your policy is cancelled or lapses for any reason – and your driver’s license will be suspended. That is why it is important to work with a company that will help you find a low-cost option you can continue to afford in order to keep the insurance in place for the court-ordered time period.

We Are Here to Help

For affordable SR22 insurance, Peoria, Illinois based Save-A-Lot is the very best company to work with in the Midwest. We specialize in helping drivers that need SR22 certification, and we are here to help you. We will work quickly to ensure your required form is filed with your state, so you can have your license suspension lifted and you can again drive legally. Contact a customer service representative today at (309)-589-1000. Many companies can help you get your SR22 but we work to give you quick insurance and try to save you as much money as possible

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