What is an SR22 car insurance policy?
An SR22 is an insurance proof certificate that is filed by an insurance company with the Department of Motor Vehicles upon insured request. SR22 filings are usually filed for up to three consecutive years.
The purpose of an SR22 filing is to monitor and ensure that a driver maintains auto insurance coverage for a period of up to three years. If a driver is required to file an SR22, he or she must have their insurance company file the SR22 with the Department of Motor Vehicles as evidence that the driver has an active insurance policy in force. If the insured does not pay the premiums required to keep their auto insurance policy active, the insurance company will cancel the insurance policy and in turn, will cancel the SR22 filing with the DMV by filing an SR26.
An SR1P (not to be confused with the SR1 form which is used to report accidents), is similar to the SR22, however, the difference is that an SR1P is issued to vehicles with less than four wheels, such as a motorcycle.
When is an SR22 or an SR1P required?
Not all states require an SR22 such as North Carolina and New York, but the ones that do, such as California, may require them for any of the following offenses:
No Insurance Violations
No insurance at the time of an accident.
How to get an SR22?
Getting an SR22 does not require much work on your behalf. All you have to do is ask your insurance company to issue one for you. If you do not currently have an auto insurance company, or your insurance company does not offer SR22 filings, you can simply get an auto insurance quote and ask for one. A quite simple way of getting quotes on your SR22 is to compare auto insurance online.
The reality is that SR22s are fairy inexpensive. Most auto insurance companies will issue an SR22 free, or with a one time fee every year or six month period.
More at the Auto Insurance Learning Center.