How Long Do You Need an SR-22?

Navigating the complexities of SR-22 insurance can be daunting, but understanding the requirements and duration can help ease the process. An SR-22 is a certificate of financial responsibility. It can serve as proof that a driver maintains the minimum liability insurance required by law.

Who Needs an SR-22?

Typically, an SR-22 certificate is required for drivers who have been convicted of certain offenses, such as driving while intoxicated (DWI), driving while license invalid or multiple convictions for no motor vehicle liability insurance. The primary purpose of an SR-22 is to verify that high-risk drivers maintain continuous insurance coverage.

How Long Do SR-22 Certificates Last?

The duration for maintaining an SR-22 certificate is generally two years from the date of the most recent conviction or the date a judgment is rendered against the driver. This period is crucial as it demonstrates the driver’s commitment to maintaining financial responsibility. Failure to maintain an SR-22 for the required duration can result in additional enforcement actions, including suspension of driving privileges and reinstatement fees.

How to Obtain an SR-22

The process of obtaining an SR-22 certificate involves contacting an insurance provider that offers SR-22 coverage. Not all insurers offer SR-22 certificates, so finding one that does is essential. Once obtained, the insurance provider will file the SR-22 form. If a driver does not own a vehicle, they can opt for a nonowner SR-22 certificate, which can offer coverage while driving borrowed or rented vehicles.

Learn More

For additional SR-22 guidance, contact T1 Insurance LLP.

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.