What Is an SR-22 and Who Needs It?  

An SR-22 is commonly referred to as a type of insurance, but it’s actually a document your auto insurance company must file with the state’s Department of Motor Vehicles (DMV). Certain drivers may need an SR-22 on file to drive legally following specific traffic-related offenses. This filing proves you have the necessary coverage and are financially responsible for damages or injuries you may cause while driving.

Who Needs an SR-22?

An SR-22 is typically required for drivers who have been involved in the following offenses:

• Reckless driving

• Driving without insurance

• Driving under the influence (DUI)

• Driving while intoxicated (DWI)

How Do You Get an SR-22?

Your insurance provider must submit an SR-22 on your behalf—you may not file one yourself. The state DMV or court will notify you if you must file one.

Some insurance providers do not offer SR-22 filings, so it’s important to check with your insurance company or switch to one that does. While there is usually a filing fee, your insurance premiums may increase because of the higher risk you present.

How Long Do You Have to Carry an SR-22?

States vary in how long they require drivers to carry an SR-22 if they must file. Colorado typically requires drivers to have an SR-22 for three years; however, the total duration may vary with how severe the offense is, or if it is a repeated offense. It’s crucial to ensure you have continuous coverage to prevent your license from being suspended.

Contact Us

For more information on SR-22 filings in Greeley, CO , Aztlan Insurance Agency is here to help. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.