Auto Insurance: Frequently asked questions

What is an SR-22?

An SR-22 is a form that shows that you have auto insurance. It is required by the state for drivers who are high risk. Here are some of the reasons a state might require you to file an SR-22 form:

• DUI (drunk driving).
• Serious moving violations such as reckless driving.
• Racking up a lot of highway points in a short period of time.
• Being pegged as a habitual traffic offender.
• Causing an accident while uninsured.

Regulations vary from state to state, but high-risk drivers usually have to carry SR-22 insurance for three years.

More insurance companies are now willing to sell policies to drivers who have SR-22 status; however, those policies are going to be more costly than a standard auto policy.

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