Also referred to as a Certificate of Financial Responsibility, SR-22 form, or SR-22 bond, an SR-22 is not an actual insurance policy. It is a government form filed with your state’s Department of Motor Vehicles that serves as proof of insurance to allow mainly high-risk drivers to drive legally.
Some states do not require filing an SR-22 form. These states include Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Other states, such as Florida and Virginia, require a separate FR-44 form for alcohol and substance-related DUI violations.
States that require an SR-22 want to make sure that high-risk drivers have insurance before they get on the road. You may be considered a high-risk driver if you have:
- Been convicted of DUI or DWI
- Caused a car accident resulting in injuries
- Received a ticket for driving without an active insurance policy
- Accumulated excess points against your driver’s license
- Had your driver’s license revoked or suspended
Fortunately, Freeway Insurance can provide quality SR-22 coverage at an affordable cost. Filing for an SR-22 is an excellent way to get your driving record back on track.