What Exactly Is A SR22 Certificate?

An SR-22 is not an insurance policy. Rather, it is an addendum to an insurance policy that is required of some drivers in Colorado by law as a result of a DUI or other driving-related issue that marks you as a high risk.

But when exactly do you need an SR-22? Here's a rundown of common scenarios:

• Reckless Driving: If you've been cited for reckless driving, you may need an SR-22 to reinstate your license.
• DUI/DWI Convictions: These serious offenses almost always require an SR-22 filing to prove you're maintaining the necessary insurance coverage.
• Suspended License: Driving with a suspended license and getting caught can lead to the requirement of an SR-22.
• Accidents Without Insurance: Being involved in a traffic accident without having insurance in force can trigger the need for an SR-22.
• Driving Without Insurance: If you're caught driving without any car insurance, an SR-22 might be mandated to demonstrate future financial responsibility.

Understanding the circumstances that lead to an SR-22 requirement can help you determine whether you need one. Always consult with your insurance provider for guidance tailored to your specific situation. If you have any questions call and talk to a licensed agent 719-428-4485.

Whether you own a car or not, you may be required by the state regulatory entity (e.g. Colorado DMV) to have an SR-22 certificate and an SR22 auto insurance policy in order to pay out on any future claims. This proof of financial responsibility ensures that liability payments (not the car you are driving) will be covered in case of an accident during your SR-22 period.

Can You Get an SR22 Insurance Policy in Colorado Without a Car?

Absolutely! You can purchase a Colorado non-owner SR22 auto insurance policy. This lets you drive a car occasionally, provided the car is not registered to you or your household. However, keep in mind that the car you're driving is not "fully" covered under this policy.

A non-owner SR22 insurance policy is quite common and can be more affordable than an owner SR22 insurance policy simply because the likelihood of you driving more often is reduced. Just as you can have a driver’s license without being a car owner, the same is true of an insurance policy.

In many cases, regardless of whether you were a car owner at the time of the incident or not, getting a non-owner SR-22 may be the only way that you will be able to reinstate your driving privileges if your license was suspended. You will be able to drive any vehicle that is not owned by you once you get the certificate. This will be reported to the Colorado DMV, allowing you to drive legally on the road without further complicating your driving record.

By combining these insights, you can better understand the options available to you for maintaining driving privileges, even when not owning a vehicle.

How Long Do I Need To Have The SR22 Certificate?

Most states require that your certificate remain active for at least 3 years. The 3 years typically begins on the first day that the SR-22 certificate is issued from the insurance company. Some states are as much as 5 years. Please call one of our agent to see the requirement for your situation.

The duration you need to maintain an SR22 insurance policy after a DUI largely depends on your state's regulations and specific court rulings. It's essential to confirm the exact requirement for your situation, as it can vary significantly.

If you cancel your SR22 insurance before the mandated period ends, your insurance provider will notify the Department of Motor Vehicles (Colorado DMV). This could lead to further penalties, including the suspension of your driver's license once again.

To avoid such complications, ensure you understand all the details of your SR22 policy. If you have any questions or need clarification, it's advisable to contact your insurance agent at 719-428-4485 or provider directly for assistance.