What is SR-22 Insurance?

Navigating the complexities of SR-22 insurance can be challenging, especially when facing the reality of getting back on the road after a driving infraction. LifeSafer is committed to helping you through this process, ensuring that your journey towards regaining full driving privileges is as smooth as possible. Here’s what you need to know about SR-22 insurance and how it ties into the responsible use of ignition interlock devices, which are integral to maintaining safety and compliance on the road.

The Basics of SR-22

SR-22 insurance isn’t a separate insurance policy but a document provided by your insurance company that verifies to the state that you have an auto insurance policy meeting the minimum liability requirements. Often referred to as a Certificate of Financial Responsibility, the SR-22 is typically required for drivers who have had certain traffic infractions, such as DUIs, reckless driving, or driving without insurance.

Who Needs SR-22 Insurance?

SR-22 requirements can vary by state, but generally, you may need to file an SR-22 if you:

Have been convicted of a DUI or DWI.
Have been caught driving without insurance or a valid license.
Have had too many at-fault accidents or violations in a short time.
Are trying to reinstate your driver’s license after a suspension or revocation.

Obtaining SR-22 Insurance

Working with Your Insurance Provider

Obtaining an SR-22 certificate starts with contacting your auto insurance provider. If you are required to file an SR-22, you must maintain continuous insurance coverage. It’s essential to note that not all insurance companies issue SR-22 certificates, so you may need to shop for a new policy.

The Process of Filing an SR-22

Once you’ve secured an insurance policy with an SR-22, your insurer will file the certificate with the state’s department of motor vehicles (DMV). This process typically involves a fee. The state will then confirm that you have the appropriate insurance, which is a crucial step in getting your driving privileges reinstated.

Using SR-22 Insurance with an Ignition Interlock Device

Many individuals required to carry SR-22 insurance may also be mandated to use an ignition interlock device (IID) provided by companies like LifeSafer. An IID is a breathalyzer for your vehicle that prevents it from starting if it detects a blood alcohol concentration (BAC) above a pre-set limit.

Compliance and Monitoring

When you have both an SR-22 and an IID, it’s crucial to maintain compliance with both to ensure that your road to license reinstatement is unimpeded. The SR-22 proves you have insurance, while the IID demonstrates your commitment to safe driving. Non-compliance with either can lead to further suspensions or legal consequences.

LifeSafer & Freeway Insurance

LifeSafer is not just an IID provider; we are your partner in meeting the requirements necessary to maintain your SR-22 and IID. LifeSafer is proud to partner with Freeway Insurance to help drivers get back on the road quickly and affordably. Freeway Insurance has options for drivers of all situations and wants to help you get back on the road ASAP. Additionally, LifeSafer can assist in providing documentation of your IID use to authorities if needed, which may be necessary for your SR-22 status.

LifeSafer is dedicated to supporting our customers every step of the way, from providing state-of-the-art ignition interlock devices to assisting with the intricacies of SR-22 insurance. With our expert guidance and quality products, you can focus on what’s most important—safely getting back on the road.

Contact LifeSafer today to learn more about how we can help you navigate your SR-22 insurance and IID needs.

800-634-3077

Freeway Insurance