Is SR22 insurance for drivers with a history of uninsured driving?

Yes, SR22 insurance is often required for drivers with a history of uninsured driving. If you have been caught driving without insurance or have been involved in an accident while uninsured, your state’s Department of Motor Vehicles (DMV) may mandate that you obtain an SR22 filing to reinstate your driving privileges.

SR22 insurance serves as proof of financial responsibility and demonstrates to the DMV that you now have the required liability insurance coverage. It is typically required for a specific period, which can vary depending on your state’s laws and the severity of the offense. During the required filing period, you must maintain continuous SR22 coverage to comply with the DMV’s requirements.

Obtaining SR22 insurance after driving uninsured can be more challenging and expensive than standard auto insurance policies. Insurance companies often consider drivers with a history of uninsured driving as high-risk, which can result in higher premiums.

It’s important to note that SR22 insurance specifically addresses the requirement for liability coverage. It does not provide coverage for physical damage to your vehicle or comprehensive coverage. If you are seeking comprehensive coverage or coverage for your own vehicle, you may need to explore additional insurance options or discuss your needs with insurance providers to find the most suitable policy for your situation.

Consulting with an insurance professional who specializes in SR22 insurance can help you understand the specific requirements in your state and find the appropriate coverage to fulfill the SR22 filing requirement for uninsured driving.