McKayla Girardin, Car Insurance Writer
SR-22 insurance works like normal car insurance, except it is for high-risk drivers who must verify with their state that they are carrying at least the minimum amount of coverage required by law. An SR-22 is not a type of car insurance itself, but a form filed on behalf of the driver that proves they have coverage. The insurer files the form directly with the state’s DMV, and the driver must maintain continual insurance coverage for a certain period of time – usually 3-5 years – to satisfy their SR-22 requirement.
SR-22s are often needed after certain high-risk violations, such as DUIs or driving without insurance. The SR-22 form is typically used to get a license or registration reinstated. Not every state requires SR-22s, though, and they are not permanent.
To learn more, check out WalletHub’s guide to SR-22 insurance.
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