SR-22 Insurance: A Comprehensive Guide

What is SR-22 Insurance?

SR-22 insurance is a type of non-owner liability policy that is required by law in many states for drivers who have had their license suspended or revoked due to a DUI, reckless driving, or other serious traffic violations. This type of insurance is designed to provide financial protection to the public in case an uninsured driver causes an accident and leaves the scene without providing identification or insurance information.

It's essential to understand that SR-22 insurance is not the same as regular auto insurance. It's a specialized policy that only provides liability coverage, which means it won't pay for damages to your own vehicle or medical expenses in case of an accident.

Who Needs SR-22 Insurance?

SR-22 insurance is typically required for drivers who have had their license suspended or revoked due to a serious traffic violation, such as a DUI. This type of policy is also necessary for drivers who have been involved in an accident and failed to provide proof of insurance at the scene.

In some cases, SR-22 insurance may be required by law for drivers who have multiple accidents or convictions on their record.

How to Get SR-22 Insurance

To get SR-22 insurance, you'll need to contact an insurance provider that offers this type of policy. You can either purchase a new policy or add it as an endorsement to your existing auto insurance policy.

It's essential to shop around and compare rates from different providers to ensure you're getting the best coverage at an affordable price.