SR-22s and Everything There is to Know

SR-22s and Everything There is to Know

Learn how Paul Hall and Associates can help you through this blog.

SR-22s and Everything There is to Know

SR-22s (often referred to as “SR22 insurance" or "SR22 BOND) are often required for drivers who've had their licenses suspended due to driving without insurance, DUIs, or other serious violations.

Because SR-22’s can be confusing, we've provided answers to some of the most commonly asked questions about this financial responsibility requirement.


What is an SR-22?

An SR-22 is a certificate of financial responsibility that ensures that you are meeting your state's car insurance requirements, and that you will continue to meet these requirements for a specified amount of time (generally 3 years).


Who needs an SR-22?

You are most likely to be required to file an SR-22 if:

•You are convicted of a DUI/DWI.

•You are found to be driving while uninsured.

•You are involved in a serious injury-causing accident.

•You have a large number of points on your driving record.


How do I know if I need to carry an SR-22?

Often, an SR-22 is required for reinstatement of a suspended or revoked license. The state's Department of Motor Vehicles will inform you if you need to file an SR-22.


Will an SR-22 cover me to drive any vehicle?

SR-22s are often referred to as “SR22 insurance." However, this is a bit of a contradiction, as they are not really a type of insurance, but rather an endorsement on your insurance policy. SR-22 is more accurately defined as a type of proof of insurance. In Ohio insurance follows the vehicle first. So, you will need to have a policy to cover all of your vehicles, and the SR-22 can be added as an endorsement to this policy.

If you do not own a vehicle we can provide you with a state minimum liability policy with the SR-22 endorsement.


How do I get an SR-22?

This one is easy! Simply call our agency and we will get you a quote on a policy that fits your needs. We will need a down-payment and your signature and you will be able to walk out of our office with your SR-22!


How long do I need an SR-22?

This can vary depending on the reason for the SR-22. You will receive a letter from the state when you no longer need to carry this endorsement. The typical time frame is three years.


How much does an SR-22 cost?

The filing fee can vary from company to company, the policy as a whole will depend on your driving record, vehicles that you own, and where you live.