The SR-22 Filing is a document or electronic certification issued by an auto insurance company to the Department of Motor Vehicles (DMV). It verifies to the state that you have an auto insurance policy with the state minimum liability limits. This is essentially a financial responsibility certification required by the DMV for high risk auto insurance policyholders if an accident is caused by your driving violations to reinstate the driver’s license that was suspended. Auto insurance SR 22 is also needed in case of a suspended driver’s license if you need ‘ignition interlock’ as a result of a second drunk driver conviction.
AIG, 21st Century, AllState, SafeCo, Unitrin Specialty Insurance, Insure.com, Liberty Mutual, Nation Wide, Amica , Mercury Insurance, USAA are some of the leading auto insurance companies that provide auto insurance SR22. To obtain a free no obligation Auto insurance SR22 quote fill out the online form of different insurers. To select the right policy you must take into consideration not only the price but also the coverage amounts offered, terms and conditions, down payment and lapse in policies.
When you request your free quote, inform the company that you need SR22 filing. At the time of purchasing, the company will provide the auto insurance SR22 in the appropriate form along with your auto insurance policy online within minutes. The insurance company also monitors your insurance and will notify the court about any lapse or cancellation of your policy.
SR-22 auto insurance is a type of high risk auto insurance policy by which the auto insurance company guarantees to the DMV that the policy holder has the minimum auto insurance coverage that is required by the state. The auto insurance company files the SR-22 certification on behalf of the policyholder. This is mandatory for reinstating your driving license by the DMV. SR-22 should be kept on file for a minimum period of 3 years from the date of reinstating your driving privileges. The SR-22 filing is a form known as Form SR22 that is filled out by the auto insurance company to be sent to the DMV. Most of the states allow you can get them filed electronically so that your driving license is restored early enabling you to resume driving.
The typical requirement of auto insurance SR22 is three years but vary from state to state. If you cancel your policy before this period, the insurance company has to file an SR-26 to inform the state that you do not have auto insurance coverage.
In most states, the insurer automatically sends SR22 to the DMV. The SR-22 is a certificate from the insurer verifying that you have auto insurance.