The SR-22 Form Explained
Typically, when you go to the DMV office to register your means, they will only require you to submit proof of liability insurance for your car, truck, motorcycle, or other motor means. This basic kind of car insurance will not cover you but will cover:
- Your passengers
- Other driver’s passengers
- Other drivers’ vehicles
If you happen to build up an “excess” of traffic tickets, you may be required to file an SR-22 form. This form is produced by your insurance company to show that you truly possess insurance on your car. The SR-22 is an official document but is not the car insurance policy itself.
You may have to file an SR-22 if you receive:
- Multiple speeding tickets
- Too many points on your driver’s license
- Driver’s license suspension
- a DUI violation
If you have been issued an SR-22 requirement, you most likely will not be allowed to excursion your means until it has been filed. However, you cannot file this form independently. An insurance company provides and signs the SR-22 on your behalf. Your part will be to complete the personal and auto details on the form. You or the insurance company can then file this form with the DMV.
It is not unnecessary for your insurance rates to rise if you have to submit an SR-22 form. Additionally, some policies might drop a driver altogether if they require an SR-22. As such, it is important to make sure you are working with an insurance company that will be able to provide you with the coverage options that you need at a price that you can provide.