SR-22 Question Seattle Washington WA

Reader’s Question:

What is and SR-22? When should a driver carry an SR-22 as well?

Jim

Seattle, WA

Hi there, Jim.

Regardless of where you live in the U.S., you are required by law to have auto insurance in your vehicle wherever you go. For high risk drivers however, SR-22 is required too.

To answer your question, SR-22 is a form that proves you have auto insurance and is a requirement by state laws for drivers who are a high risk. I can give you a few reasons why you might need to have an SR-22 form. You are required to carry SR-22 if you’ve been convicted of DUI (driving under the influence/drunk driving), you have a lot of highway moving infraction points in a short period of time, you’ve been labeled as a habitual traffic offender, and you’ve caused an accident and you didn’t have any insurance.

Remember too that high risk offenders of moving violations and collisions are required to have SR-22 insurance and an SR-22 form with their insurance information. These regulations regarding SR-22 drivers vary from one state to another but most commonly, high-risk drivers have to carry SR-22 insurance for at least three years.
For one who is required to carry an SR-22 form, it might be difficult to find insurance from an insurance company for your vehicle. Still, there are more insurance companies who are now willing to sell insurance to high risk drivers who have an SR-22 status.