How to Obtain an SR22
Your state's DMV may require you to obtain an SR22 to retain your driver's license after such occurrences as a DUI conviction, multiple speeding tickets or being at fault in a collision without having liability insurance. An SR22 is a form prepared by your auto insurance company that certifies to the DMV that you have an auto insurance policy in effect. Not all insurance companies provide this form and you may find your policy canceled in these situations. However, some companies specialize in SR22 forms and you can apply to any one of them for an auto insurance policy.
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Instructions
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Notify your insurance company of any change in your driving privileges that requires you to obtain an SR22 as soon as it occurs, whether through court proceedings (DUI arrest or conviction) or administrative proceedings (DMV hearing after repeated traffic offenses in a short period of time).
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2
Request a quote from your insurance company to add an SR22 endorsement to your existing policy.
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Request a quote from your insurance company to add an SR22 endorsement, but with a change in your policy terms, such as reducing the amount of your coverage or limiting the coverage to just your vehicle or only to your license.
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Compare the various quotes from your insurance company with quotes from other insurance companies for similar coverage, particularly from companies that specialize in SR22 endorsements.
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Pay the premium for one of the quotes you received and request that the insurer transmit the SR22 endorsement to your DMV and provide you with a copy.
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Tips & Warnings
Unless your insurance company specializes in providing SR22 endorsements (which is unlikely if this is your first time needing one), you should seek quotes from companies that specialize in SR22 endorsements to obtain the best price.
An SR22 endorsement can be limited to your driving privileges and does not have to include insurance coverage for a vehicle. This is called a non-operator SR22 and covers you only when you drive someone else's car. It's usually the least expensive SR22, but it does come with more exclusions, such as not covering you to drive a car registered in your name or a car you regularly use.
Each state has its own auto insurance requirements for an SR22 endorsement. If you move to another state, you should notify your insurance company of your new state of residence and request an appropriate SR22 that meets the state's auto insurance requirements.
If you are required to obtain an SR22, standard liability insurance or insurance binders are not acceptable proof of insurance in any state.
Just because you are required to obtain an SR22, this does not mean you are in a "high risk" or "assigned risk" category. Do not pursue this type of coverage until you have conducted a thorough search for a company to provide an SR22 endorsement and were unsuccessful.
