Finding yourself needing SR-22 insurance can feel daunting, but it's often a necessary step to getting back on the road legally. So, what exactly IS SR-22 insurance? It's not actually a type of insurance policy itself, but rather a certificate your insurance company files with your state's Department of Motor Vehicles (DMV). This certificate proves you carry the minimum required auto insurance coverage after a driving infraction, such as a DUI, driving without insurance, or accumulating too many points on your license.
Think of it as proof to the state that you're financially responsible. The SR-22 ensures you maintain continuous coverage. If your policy lapses or is cancelled, your insurance company is required to notify the DMV, which can lead to a suspended license. While SR-22 insurance might come with a higher premium due to the increased risk, understanding its purpose can help you navigate the process smoothly and get you back to driving legally.
