What Is SR22 Car Insurance?
What is SR22 car insurance? It is used by some state Department of Motor Vehicles (DMV) offices. It provides proof that a driver has the minimum required liability coverage for that particular state.
A DMV may require an SR22 from a driver in order to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. For drivers who require SR-22 documentation, but do not own vehicles, the state laws may require such drivers to obtain and provide proof of a non-owner SR-22 policy to be eligible for reinstated driving privileges. If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.
An SR-22 is a certificate of insurance filed by the home office of an insurance company or your insurance agent directly to the State. The SR-22 certificate is issued in one of the following forms:
1. Operator’s Certificate – This policy covers the motorist in the operation of any non-owned vehicle. If the motorist does not own a vehicle, the financial responsibility requirement can be met through the Operator’s Certificate.
2. Owner’s Certificate – This policy covers vehicles owned by the driver. The type of vehicle must be listed on the SR-22 or may be issued for “All owned vehicles.”
3. Operators-Owners Certificate – This certificate covers all vehicles owned or non-owned by the driver.