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By: John Smith, Sun Feb 19th, 2012
If you are curious about what SR22 insurance is, it is likely because you, or someone close to you, has been ordered by a court, or notified by the bureau of motor vehicles, that SR22 insurance is required. Although each individual state governs the rules, procedures and requirements relating to SR22 insurance within the state, there are a number of commonalities among the states. To begin with, SR22 insurance is not really a type of insurance, despite the common misconception. In reality, anSR22 form is simply a form that provides proof that you have the required insurance. The form itself must be completed by your insurance carrier and filed with a court, the BMV, or both. An SR22 is commonly required to be filed by either a court or by the bureau of motor vehicles. When a court orders anSR22 filing, it is typically because you have either been convicted of driving under the influence, or been involved in a car accident and did not have the state required liability insurance at the time of the accident. When the BMV orders anSR22 filing, it may also be as the result of an accident, or because you received a ticket at which time you were operating a vehicle without the state required liability coverage. In most states, if you are required to file an SR-22it does not mean that you need to purchase liability insurance above the state minimum; however, some states do require coverage above the state minimums when an SR22 is required. In other words, just because you have to file an SR22 does not necessarily mean your insurance rates will increase. They may, however, increase if the reason for the need for an SR22 filing was because of a driving under the influence conviction, or because you had an accident in which you were at fault. In order to comply with the SR 22 order, you typically need to have your insurance carrier fill out and sign the form attesting to the fact that you have the required coverage and then return it to the court and/or the BMV. You will, however, need to retain the coverage for the time required by the order or your insurance company will report the lapse in coverage to the state which may cause you additional problems with your driver’s license or with the court.