I recently discovered an issue while trying to get insurance for a new vehicle my parents bought for me. The car is in my mom’s name, and she added it to her insurance, which initially covered both me and my partner. However, my mom was later notified that I was removed from the policy because my driver’s license is suspended, something I had no idea about.
After researching online, I found out I need something called an SR22. My mom’s insurance company doesn’t offer it, and I’m unsure how to get one without paying for a whole new policy. Most searches link SR22s to DWIs or DUIs, but I’ve never had either. How do I navigate this situation? Thanks for your help!
An SR22 isn’t only for DWIs or DUIs. Some states require it if you’ve been caught driving without insurance or have too many violations on your record. You’ll need to contact an insurance company that offers SR22 filings to see your options.
Uma said: @Lee
Thanks for explaining that. Is there a way to get the SR22 without buying a whole new policy?
You’ll need to call around and ask insurers directly. In most cases, you’ll need to purchase a policy, but some insurers might offer a workaround depending on your state.
Uma said: @Lee
Thanks for explaining that. Is there a way to get the SR22 without buying a whole new policy?
An SR22 is often required if you’ve accumulated too many points on your license in a short time, even without a DWI/DUI. It’s essentially a way for the state to ensure you’re insured. You’ll have to pay extra for it.
Just so you know, an SR22 isn’t actually insurance. It’s a document or certificate that your insurance company files with the state to prove you’re covered.
Ronald said:
Just so you know, an SR22 isn’t actually insurance. It’s a document or certificate that your insurance company files with the state to prove you’re covered.
That makes so much sense. I’ve heard about the difference before but never had it explained so clearly. It’s just a certificate that comes along with an insurance policy. Thanks for clearing that up!