Is the car insurance company required to notify me that I need a SR22?

I got a ticket for not having car insurance. I went to court, paid the fine, got insurance, and thought it was all done. I got pulled over again and my license is suspended! I had no idea I needed an SR22. Why didn’t the insurance company tell me when I got the policy?

Answer provided by
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Shannon Martin
Answered on Apr 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“That is a challenging situation to be facing. Unfortunately, it is not the insurance company’s responsibility to discover that you require an SR22 form or notify you that you require an SR22.
This should have been communicated to you by the court and the motor vehicle bureau in your state.
The SR22 is a “certificate of financial responsibility” proving that you are carrying the minimum coverage requirements in your state. The insurance company usually files this form with the state on your behalf as a courtesy to you. There can be a small fee associated with it, usually around $25.
You can still get cheap car insurance, even with an SR22. Not all carriers offer this form, so it is good to check for car insurance quotes online to find the best options. “
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