A Closer Look At SR-22 For High-Risk Drivers

The consequences of serious traffic violations can add up quickly. In fact, if individuals do not take action to fight these charges, from reckless driving to DUI, insurance companies might label them as high-risk drivers.

In these cases, it might be necessary for drivers to obtain an SR-22.

First, what is SR-22?

Contrary to popular belief, an SR-22 is not an insurance policy. It is a document, also called a Certificate of Financial Responsibility, that insurance companies file with the state for a driver who has been identified as high-risk. The document confirms that the driver:

1. Has auto insurance coverage; and
2. Meets Pennsylvania’s auto insurance requirements.

An SR-22 document also indicates that a driver is high-risk and may not have the financial resources to pay for damages they were at fault for.

When might someone need an SR-22?

Drivers might need an SR-22 to reinstate their driving privileges after:

• They were charged with a DUI or DWI;
• They received tickets for serious traffic violations;
• They drove without insurance or on a suspended license;
• They have been at fault for multiple auto accidents; or
• They accrued for driving violations.

Pennsylvania does not require high-risk drivers to have an SR-22. However, obtaining this document can be a helpful measure to protect driving privileges.

Drivers must consider their SR-22 options carefully

Not all insurance companies issue SR-22s. Or, they might not be willing to add an SR-22 to a driver’s policy. This can make it particularly challenging for individuals to find the right insurer and preserve their privileges.

Therefore, drivers seeking to add an SR-22 to their policy must consider their choices carefully. For example, it is helpful to consider a few factors, such as:

• The price each insurance company offers to add an SR-22;
• The insurance company’s customer service record; and
• How financially solid the company is.

Finding the best policy can make a significant difference to help individuals maintain their driving privileges and protect their futures from the consequences of traffic violations.