SR-22: Proving Financial Responsibility
Need help to get back on the road? Please contact any of our helpful agents if you have a question call SkyBlue Insurance Agency at 1-800-771-7758
What is an SR-22/ FR-44 ?
An SR-22 or “safety responsibility,” form is a form that is filed with a state’s department of motor vehicles to demonstrate an owner’s financial responsibility for their vehicle.
Some state’s require an FR-44 (financial responsibility) instead of an SR-22, these two forms serve the same purpose.
People are required to carry their SR-22 for a period that varies from state to state, but is usually from three to five years (depending on the violation and state)
Why would I need an SR-22?
In most states there are several serious citations whose punishment requires drivers to file a form which shows that they are financially responsible for their vehicles. A few of these violations are:
• DUI/ DWI
• Driving without a license
• An “at-fault” accident while driving without a license
• reckless driving
Most states require an SR-22 or FR-44 form after any of the above violations to show them that you can afford insurance, and hence are responsible enough to be a licensed driver in that state.
In order to get you back on track to your driving-freedom, we will file the SR-22 for you, and we can insure your vehicles to prevent you from being in the same situation again.
After we file your SR-22:
The SR-22 only declares financial responsibility of a licensed-driver, it is still the driver’s responsibility to maintain insurance coverage of their vehicles during the SR-22 period.
Basically you must make sure your car is insured for the entire period covered by the SR-22, but it’s ok-we can help with that too.
SkyBlue Insurance Agency 1-800-771-7758
If you fail to keep your car insured, your SR-22 issuer is required to notify the DMV, and your license will be suspended.
What happens when my SR-22 is going to expire?
Once our customers are nearing the end of their SR-22 period, we will file a separate form (SR-26) with the DMV to inform them of your commitment to safety and responsibility, and your status as SR-22 is removed.
Some states do not require SR-22s. These states are as follows: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, and Oklahoma.
If you receive a serious ticket for one of the aforementioned offenses in those states, you are not required to file an SR-22.
State’s that DO require the form however, also require you to keep it up to date even if you move away.
In other words, you can get a DUI in North Carolina, and move to South Carolina to avoid filing an SR-22 (with specific exceptions), but if you do the opposite (get a DUI in South Carolina) you would be required to maintain your SR-22 status in SC even if you move to NC.
Specific questions? call us, we love helping! 1-800-771-7758
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