How SR-22 Insurance Affects Your Driving Record

SR22 insurance, also called a certificate of financial responsibility, is not actually a type of insurance. Your insurer files an SR-22 form with the state as proof that you have auto insurance that meets the state’s required minimum liability limits.

SR-22 is typically required for drivers who have been involved in certain traffic violations, such as:

• DUI/DWI convictions—A driver is convicted of driving under the influence or while intoxicated.
• Serious at-fault accidents—A driver is found at fault for accidents that caused significant damage or injury.
• Multiple traffic offenses—A driver has accumulated too many points on your driving record within a short period.
• Driving without insurance—A driver is caught driving without the mandatory insurance coverage.

Most drivers are not required to file SR-22. If you receive notice that you must file, contact your agent or insurer right away.

How Does SR-22 Insurance Affect Your Driving Record?

Once you are required to file an SR-22, your driving record is closely monitored by your insurance company and the state. Any further violations can lead to severe penalties, including higher insurance premiums or license suspension.

The requirements typically result in higher premiums. Insurance companies view drivers who must file SR-22 as high-risk, leading to increased rates.

Failing to have a valid SR-22 form on file with the state can lead to suspending your driving privileges.

Contact Us

Many insurers do not provide coverage for high-risk drivers. If you must file SR-22, shopping around for the best combination of price and SR-22-compliant car insurance coverage is essential. Contact R.M. Price Insurance Agency in Cincinnati, OH, for an auto insurance quote.

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.