If you’ve been convicted of a serious driving offense like a DUI or reckless driving, then you may be required to file an SR22 with your state’s Department of Motor Vehicles (DMV) before you can legally drive again. The SR22 is a certificate of financial responsibility that proves you have the minimum amount of liability insurance required by law.
But what if I don’t have car insurance? Can I get an SR22 without having car insurance? In this article, we’ll answer that question and provide you with some important information to help you navigate the process.
First things first: let’s clarify what SR22 insurance is. Contrary to popular belief, SR22 insurance is not a type of car insurance policy. Instead, it’s a certificate that verifies that you have at least the minimum amount of liability insurance required by your state. When you file an SR22, your insurance company is required to notify the DMV if your coverage lapses or is canceled. So in other words, an SR22 is a way for the DMV to keep tabs on you and ensure you’re complying with the law.
Now that we’ve established what an SR22 is, let’s answer the big question: can you get an SR22 without car insurance?
No, you can’t get an SR22 without having a car insurance policy. In order to file an SR22, you must have an active insurance policy that meets your state’s minimum liability requirements. If you don’t have car insurance, you’ll need to purchase a policy before you can file an SR22.
It’s important to note that not all insurance companies offer SR22 insurance, so you may need to shop around to find a policy that meets your needs. Additionally, some insurance companies may charge higher premiums for drivers who require an SR22. This is because drivers who file an SR22 are considered high-risk and are more likely to get into accidents or cause damage.
If you need to file an SR22 but don’t have car insurance, here’s what you need to do:
We can help with both! Our car insurance professionals have years of experience in helping people get SR-22-compliant. We’ll help you find a great car insurance policy that meets the minimum coverage requirements of your state, and we’ll even walk you through the entire SR22 filing process. Request a free consultation today to get started!