How to Determine If You Need to File an SR-22

An SR-22 form is a certificate of financial responsibility required by the state for certain drivers. If you must file an SR-22 form, you will receive a notice from a judge or your state’s Department of Motor Vehicles (DMV) or Department of Revenue. These notices may come via US Postal Services, so it’s crucial to check your mail and respond promptly if you receive an SR-22 notice.

Several situations may trigger the need for an SR-22 filing, including the following:

• Driving under the influence (DUI/DWI) conviction

• Major traffic violations

• License suspension of revocation

• Lapsed insurance coverage

• High-risk driver status

How to File SR-22

If you receive a notice that you must file SR-22, contact your insurer immediately. Not all insurance companies provide coverage for drivers who must file SR-22, and failure to file before the deadline could result in license suspension or denial of license reinstatement. 

It’s important to maintain continuous auto insurance coverage throughout the mandatory SR-22 filing period. If your policy lapses or is canceled, your insurer will notify the DMV or Department of Revenue, and your driving privileges may be suspended. Non-compliance can result in higher insurance premiums or difficulty getting car insurance coverage in the future.

SR-22-compliant insurance coverage can be costly for high-risk drivers. Your agent can help you find reputable insurers who will file SR-22 and provide appropriate coverage in your state at favorable rates.

Contact Us

Are you unsure if you need to file an SR-22 form or need assistance with the process? Contact Safeway Insurance in Kansas City, Missouri, to learn more about SR-22 filing requirements and get 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.