FAQ

**Answer:** SR22 insurance is usually required for drivers convicted of serious traffic offenses, such as DUIs, reckless driving, or accumulating too many points on their driving record. It may also be required for drivers caught driving without insurance or after certain at-fault accidents.

**Answer:** Contact your auto insurance provider to obtain an SR22 certificate. If you don’t have insurance, you must purchase a policy from a company that offers SR22 filings. The insurance company will then file the SR22 form with the state on your behalf.

**Answer:** SR22 non-owner insurance is a type of SR22 insurance for individuals who do not own a vehicle but are required to carry an SR22 certificate. It provides liability coverage when driving vehicles the driver does not own, such as rental or borrowed vehicles.

**Answer:** SR22 non-owner insurance is suitable for drivers who do not own a car but still need to meet the state’s SR22 requirement to reinstate their driving privileges. It is often needed by individuals who frequently rent cars or borrow friends’ or family members’ vehicles.

**Answer:** Yes, you can get SR22 insurance for a motorcycle. Just like with cars, if you must file an SR22 and primarily ride a motorcycle, you must obtain a motorcycle insurance policy that includes an SR22 filing.

**Answer:** The primary difference between SR22 motorcycle and regular motorcycle insurance is the inclusion of the SR22 certificate, which is filed with the state to prove you have the required liability coverage. Otherwise, the coverage options and structure are similar to standard motorcycle insurance policies.

**Answer:** SR22 auto insurance typically has higher premiums than standard auto insurance. This is because the SR22 requirement indicates that the insurance company considers you a high-risk driver. The exact increase in cost will depend on factors such as your driving history, location, and the insurance provider.

**Answer:** The duration of your SR22 insurance varies by state, but it is commonly required for three years. You must maintain continuous coverage during this period; any lapse in coverage can result in suspension of your driving privileges.

**Answer:** If you cancel your SR22 insurance or allow it to lapse, your insurance company must notify the state. This can lead to suspending your driver’s license and other penalties. To avoid this, continuous coverage should be maintained until the state no longer requires the SR22 certificate.