SR-22 is a vehicle liability insurance document required by the Department of Motor Vehicles (DMV) for "high-risk" insurance policies. The DMV may require an SR-22 from a driver to reinstate his or her driving privileges after an uninsured car accident or conviction of a traffic violation such as speeding tickets, DUI/DWI, hit and run, etc. An SR-22 may be required for 3 years for conviction of driving without insurance or driving with a suspended license and up to 5 years for a DUI/DWI.
What should I do if I receive an SR-22?
Find an insurance company that accepts customer with SR-22. Purchase insurance from that company and provide proof of insurance to the DMV; generally, the insurance company would provide the proof of insurance to the DMV on your behalf. The proof of insurance is required in order for the DMV to reinstate your driving privilege.
What happen if an SR-22 should be expired or cancelled?
The Insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.
What happen if I forget to pay my insurance and the policy is cancelled?
The DMV will be notified and your driving privilege could be revoked.
As a broker, we have the ability to see the rates from many insurance company and we are able to find the lowest insurance rates. We represent First Chicago, which is a company with the lowest rates for drivers that require SR-22.