The General SR22
the general SR22 form or the general sr-22 form.
The general SR-22 form. Most people probably have a hazy idea of what it is. Maybe you’ve had a friend who needed one or you understand vaguely that it has to do with car insurance. But really, what is an SR-22? Is it something you get from the DMV or your car insurance company? Does everyone have to have one? Is it bigger than a breadbox?
It seems that, aside from a general sense of foreboding, most people don’t know much about SR-22s. And that’s fine. As long as you practice safe driving and don’t let your insurance lapse, you’ll never need one. But just in case, here are a few SR-22 insurance basics to help keep you in the know.
What’s an SR-22?
An SR-22 — also known as the general SR-22 insurance or Certificate of Financial Responsibility (CFR) — isn’t a type of car insurance, but verification that you’re maintaining car insurance liability coverage. An SR-22 form is a state-mandated certificate filed by your car insurance carrier with your state’s Department of Motor Vehicles (DMV).
Who needs an SR-22?
An SR-22 is required when someone who was in an accident or convicted of a traffic offense couldn’t show financial responsibility. For example, you’d need an SR-22 if you were caught driving without car insurance.
You might also need the general SR22 form if you had any of the following:
- A DUI or DWI or any serious moving violation
- 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
What does the general SR22 form cost?
Though it varies by state, car insurance companies will typically charge a nominal fee of $15 to $25 for filing the general SR22 form.
If you need the general SR22, however, you’ll first need to purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into rating a policy. However, keep in mind that car insurance companies generally consider drivers who need an SR-22 riskier to insure, so your car insurance rates will likely reflect the risk.
We recommend shopping around, but remember, the cheapest SR-22 insurance quotes may not be the best. You should always consider the company’s service, financial responsibility, and reliability when making an insurance purchase of any kind. Call AmeriAgency for the general sr22 form.