Agent’s Corner: How long do I need to have a SR-22 auto insurance form?

Editor’s Note: This is the first article in a new series we’ll be publishing called “Agent’s Corner” where you’ll get advice directly from one of our agents on the call center floor. This week, we’re hearing about SR-22’s from Charles Stark. 

I receive a lot of questions about an SR-22. An SR-22 is simply a financial responsibility form proving that you have insurance coverage. The insurance company files this form with the state on your behalf when you set up your insurance policy. Make sure you notify the insurance company that you need an SR-22, because not all companies provide this service.

When an SR-22 is required, it is usually required for three consecutive years. This can vary by state, and for the reason it was required. You will want to check with your Department of Motor Vehicles (DMV) to confirm how long it is required for your specific case.

An SR-22 requirement can be issued by the state or a judge. There are a variety of reasons that they can become required. Two of the most common times they are required is after receiving a ticket for DUI/DWI or driving without insurance.

Another version of the SR-22 is an FR-44. This serves the same function as the SR-22 but it requires the driver to obtain a higher level of insurance coverage. The FR-44 is usually required in cases where a driver has not kept up their SR-22 requirement.

What many people do not know is that when you cancel an insurance policy, that company will immediately notify the state that you are no longer covered and your SR-22 form will be rescinded. It is critical that if you are cancelling your policy because you are changing insurance companies, that you set up the new policy with an SR-22 before canceling your previous policy. Otherwise, your three year requirement starts from the beginning.

For example: After two years of being with the same company that has an SR-22 filed on your behalf, you decide to switch companies. You let your policy lapse on a Tuesday and set up a new policy on Wednesday with an SR-22, that one day lapse in coverage can cause your three years start over from the beginning. Most states will not “give you credit” for the previous two years. If you need an SR-22, find out for sure how long you are required to have it. If you change insurance companies make sure that you set up the new policy with an SR-22 before canceling your previous policy.

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6 Comments on "Agent’s Corner: How long do I need to have a SR-22 auto insurance form?"

  1. Robert February 3, 2014 at 5:21 pm · Reply

    Tennessee how u need keep sr22

  2. sydney July 21, 2013 at 1:16 am · Reply

    I got a DUI in 2010 in Los Angeles, then got a restircted license and filed a SR22. In Dec 2010, I moved abroad to Australia and no longer needed my drivers license or car insurance as I dont have a car or drive in Australia. I plan to visit LA in August, but wanted to know if I am allowed to drive there still. Do I have to get another SR22?

  3. Said July 28, 2012 at 12:45 am · Reply

    In Uk you do not have to but the rub here is that if the repair goes wrong and you are with the ienrusrs recomended repairers they will take matters up for you but if you insist on your own reparer yoy are on your own if things go wrong. money always talks

  4. Paul July 22, 2012 at 7:03 pm · Reply

    Nice article, and yes, Sarah is right. It really does depend on the state, and the particular driver’s circumstances.

  5. Sarah May 16, 2012 at 4:48 am · Reply

    Depends on the company and the state that you live in. Auto iscuranne is regulated by each state so it can differ from state to state. Some companies might offer:-Good student discount (if you have a B or better average, so 3.0 or higher)-Driver Training discount (if you got your drivers license through an on the road’ driver training course and got a certificate stating you completed the course-Some companies offer a book to be completed to make you designate driving goals to make you aware of your driving skills.If there are 3 cars in the house and 3 drivers in the house, you will probably have to be put as a primary operator of a car, BUT if threre are 2 cars in the house and 3 drivers in the house you could probably be rated as an occational operator of the vehicle. Just offering some suggestions for you!Hope this helps. Good luck.

    • Manteflex July 28, 2012 at 12:01 am · Reply

      The only people who can anwesr your question on the insurance premium is an insurance company.The car can be in your parents name but If you will be the principal driver, then you will have to tell them that. Be careful. You are flirting with insurance fraud.

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