SR22 Insurance TN Quotes
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SR-22s: what you need to know
WHAT’S AN SR-22?
An SR-22 is often required for a driver to reinstate or maintain their driving privileges after certain traffic-related offenses. It’s also sometimes known as an SR22 or a Certificate of Financial Responsibility.
IS IT A TYPE OF CAR INSURANCE?
No. It’s a document that the insurance company sends to the state (electronically or on paper) to confirm that the driver has an active policy that meets state liability requirements.
HOW DO I KNOW IF I NEED AN SR-22?
An SR-22 is required when someone who was involved in an accident or convicted of a traffic offense is unable to show financial responsibility (in other words, they can’t prove that they’d be able to pay for damages they may cause while driving).
You might need an SR-22 if you’ve had any of the following:
- A DUI or DWI or any serious moving violation
- An instance of being caught driving without insurance and/or without a license
- An at-fault accident while driving without insurance
- Repeat traffic offenses or too many tickets in a short time period
- A revoked or suspended license
If the SR-22 is court-ordered, you’ll be notified at the time of your ruling that you need one. If it’s state-ordered, you’ll receive a notice of the requirement from your state DMV. If you’ve been informed that you need an SR-22, contact your insurance company so they can file it with your state.
ARE SR-22S EXPENSIVE?
The SR-22 itself is not typically very expensive. Though it varies by state, most insurance companies charge a processing fee of around $15 to $25. Some insurance companies won’t insure drivers who need an SR-22, or may add surcharges to the policy because of the SR-22 requirement, but that’s not generally the case. Since SR-22 availability and fees can vary by company, this might be a good time to shop around and get some comparison quotes.