An insurance agent can file your SR-22 certificate on your behalf, but you’ll need to provide all the information, including your policy number and case number.
If you're using the same car insurance provider you had before the incident that caused you to get the SR-22, that provider likely already has all of this information. So check with the company to see if they can file the SR-22 for you.
Most states in the U.S. have SR-22 requirements, except for the following:
To get an SR-22, you need to first call your car insurance company and inform them you need an SR-22 certificate. Your insurance company then mails both you and the department of state in your area a completed SR-22 form, unless you fill out the form yourself.
The fees: Expect to spend at least $25 on SR-22 filing fees, on average. Many auto insurance companies also require SR-22 holders to pay for the whole term of the auto insurance policy, either six months or one year, upon issuing it.
Once you acquire an SR-22, expect to have it at least for three years before you don't need it anymore.
, are caught driving without insurance, or have an at-fault accident with serious injuries on your record, you can still qualify for insurance coverage by using an SR-22 form.
While this often results in higher insurance costs, an SR-22 policy allows you to regain your license or apply for a new one and continue on with your life.
For drivers with license suspensions who don’t have a vehicle of their own, a non-owner policy with
coverage is a simple way to get cheap SR-22 insurance and satisfy the requirements for reinstatement.
An SR-22 will make your rates go up
Getting an SR-22 will almost certainly make your car insurance rates go up due to your status as a high-risk driver. Your car insurance company might even drop your policy if they do not insure high-risk drivers. In this case, you’d need to find insurance with a company that does.
The purpose of an SR-22: proof of financial responsibility
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FAQs
Can you drive for Uber with an SR-22?
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Generally, no, you will not be able to drive for Uber with an SR-22. This is because Uber does not allow drivers with poor driving records to work for them.
Uber does not accept drivers with a major driver violation (such as a DUI), and they don't accept drivers with more than three minor violations.
While it's unlikely you'll be allowed to drive for Uber with an SR-22, you may still qualify if it's been several years since you had your major driving infraction and you've demonstrated good driving.
How long do you have to carry SR-22 insurance?
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The length of time that you have to carry required SR-22 insurance depends on your state's requirements and the specific infraction. Usually, SR-22s are required for three years after a major moving violation.