What is SR-22?

In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments. 

There are different types of USA SR-22 forms, which, of course, applies to different drivers/owners. In particular, the following are the various types of USA SR-22 certificates:

• SR-22 Operators Certificate, which covers the driver for the operation of any non-owned vehicle he or she has been given permission to operate
• SR-22 Owners Certificate, which covers the driver in driving any vehicle owned by him or her
• SR-22 Operators-Owners Certificate, which covers any vehicle owned by the driver and any vehicle that are not owned by him or her but is allowed by the owner to be operated by someone else

Non-Owners SR-22 Insurance, which covers a driver without a car or vehicle allowed to borrow one from another person

If you are considered by state law as a “high risk driver” who has had his or her driver’s license suspended, then you are very much likely to get an SR-22 based on your specific circumstances and needs. Essentially, this is a requirement before you can have your driver’s license reinstated and can validly drive again. 

To reiterate, drivers are considered “high risk” and are thus required to get an SR-22 for serious driving-related violations such as excessive traffic tickets, driving under the influence of drugs or alcohol, reckless driving, among others. In addition to these driving-related causes, other common circumstances that would lead to an SR-22 insurance requirement are involvement in child support or neglect cases, or if ordered by the court through court orders and other legal judgments. 

For such drivers, operators, or vehicle owners, they will more or less have to follow these steps to get an USA SR-22:

• Find the right insurance company. Not all insurers issue SR-22s in USA. If your insurance company or the one you have recently found does not or is not legally qualified to issue an USA SR-22, you will have to find a car insurance company that does/is.
• Pay the necessary fees. As your chosen insurance company will have to file your SR-22 forms on your behalf, you will have to pay the processing fee as charged by the insurer. As for the payment of premiums, these usually are paid on an installment basis, spread out typically throughout the duration or period of the SR-22. Rates for these will vary, depending on the kind of SR-22 filed for, as well as the age, credit score/history, and amount of insurance coverage. 

• Verify minimum liability coverage. In relation to the previous step, liability coverage will depend on the specific circumstances of every motorist. As for the minimum insurance coverage requirements that varies for every state, USA follows the 20/40/15 rule: 

• $20,000 bodily injury liability (BIL) for one person
• $40,000 bodily injury for two or more people in one incident of road mishap
• $15,000 property damage liability

• Wait for confirmation from your insurer and the state of USA. Your insurance agent will file your SR-22 application with the USA’s DOT Office of Driver Services. Thereafter, the insurer and the state will inform you once your SR-22 has been accepted.

• Take note of your SR-22 period. Once you have been issued an USA SR-22, you will have to keep it for a certain number of years (usually two years) once your driver’s license is reinstated. If you do not keep track and let your SR-22 lapse, you might run the risk of driving or using a vehicle with a suspended license and registration.

For your SR-22 needs in USA, let our SR-22 experts handle them all! We promise cheap fees and insurance rates for maximum savings, apart, of course, from the efficiency of our services and our expertise in the field.