Why Do You Need SR-22 Insurance?

SR-22 insurance isn’t a type of insurance. It’s a certificate of financial responsibility that your insurance company files with your state’s Department of Motor Vehicles (DMV)—referred to as the Motor Vehicle Division (MVD) in Arizona. This certificate verifies that you carry the minimum required auto insurance coverage.

Not every driver needs to file an SR-22 form. There are several situations where you might be required to do so, including the following:

• DUI/DWI convictions—If you’ve been convicted of driving under the influence or driving while intoxicated, you may be required to file an SR-22.

• Serious traffic violations—Major offenses like reckless driving can lead to an SR-22 requirement.

• Accidents without insurance—If you’re involved in an accident and don’t have insurance, you might need to file an SR-22.

• License suspension or revocation—Having your license suspended or revoked for any reason can result in the need for SR-22 filing.

• Multiple traffic offenses—Accumulating too many traffic tickets in a short period can trigger an SR-22 requirement.

How to Get SR-22-Compliant Insurance

If you receive notice that you must file SR-22, contact your agent or insurer immediately. The insurer may charge a small fee to file SR-22 paperwork. You may need to file SR-22 within a certain period to keep or reinstate your driver’s license.

It’s crucial to maintain an up-to-date SR-22 form and the associated insurance for the duration of your SR-22 requirement.

Some insurers won’t cover drivers with an SR-22 requirement due to the increased risk of claims. Your agent can help you find an insurer to provide appropriate coverage.

Contact Us

Contact Cashway Auto Insurance in Casa Grande, Arizona, for a personalized 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.