3 Myths About SR22 Insurance

Published by Michael Hoban on

There is a lot of information about the Sr-22 financial responsibility form, such as what it’s for, who it’s for, and why it is needed. Let’s take a closer look!

Myth 1: SR-22 is only for those with a DUI/DWI

There are actually quite a few reasons a state may require a driver to obtain an SR-22 form. Every one of those reasons goes back to driving: uninsured, unlicensed, under the influence and of course, driving negligently. SR22s may also be needed to reinstate a license for failing to pay child support.

Myth 2: Obtaining an SR-22 form will increase my insurance premium

The SR-22 form itself usually costs no more than $25, depending on the state and the insurer. Any increases in premium are likely due to the violation that made the SR-22 certificate necessary to obtain. 

Myth 3: Sr-22 certificate is car insurance

Although the SR-22 certificate is proof that a person can pay for any damages, it is not car insurance. The SR-22 acts as verification that the individual has at least the minimum state required insurance. 

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