You have paid all your fines done your DUI school and now you find out you need to get a sr22. If your looking for a sr22 but do not want insurance you are not understanding what sr22 insurance is. Find important information below on what a sr22 is and is not.
Can You Get SR22 With No Insurance?
The definitive answer is no! You must by a liability auto insurance policy in order to get a sr22 financial responsibility filing. There is no other way to get a sr22 unless you are self-insured; this means that you have the money to meet the state’s financial liability requirements out of pocket and can prove as much.
What Is A SR22?
A SR22 is a form that an insurance company files with your state DMV to prove that you are carrying at least the state minimum in liability. It obligates the insuring company to notify the DMV if the policy lapses or cancels. If you are still required to carry the sr22 when the state is notified of the cancellation the DMV will suspend your license again.
How Do I know If Need A SR22?
Your state DMV should inform you if you need a sr22. If your not sure you need it go here to find your state dmv website
What If I Have No Vehicle To Insure?
The state DMV does not care whether you have a vehicle or not and will still require you file the sr22. It is not filed to a vehicle its filed to your drivers license. If you don’t own a vehicle you can buy a Non Owner Policy, find more info here.
Get SR22 Insurance
Remember that a SR22 is just an additional form that is filed by an insurance company. The cost for the filing is minimal and some companies do not charge a fee to do them while others may charge a small fee. The cost is not the sr22 itself but the cost of the insurance premium. So if you have violations, accidents or DUI on your record the insurance premium will be higher. When shopping for a sr22 insurance policy a good place to start is through an insurance broker that specializes in sr22 insurance.