Understanding SR22

Have you ever heard someone mention SR-22 and wondered what it is? Well, you're not alone! In this blog post, we're going to dive into the world of SR-22s and break down what they are and why they matter. Let's get started!

What is an SR-22?

An SR-22 is like a special certificate that proves you have car insurance. It's not something you get by choice, though; it's usually required by the government when you've had some issues while driving. It's kind of like a second chance to show that you're a responsible driver.

Why Do You Need an SR-22?

There are a few situations that might lead to needing an SR-22:

1. Driving Without Insurance:

   If you get caught driving without car insurance, you might have to get an SR-22.

2. Accidents Without Insurance:

   If you're in a car accident, and you didn't have insurance at the time, you might need an SR-22.

3. Serious Traffic Offenses:

   Sometimes, if you've committed severe traffic violations, like reckless driving or DUI, the authorities might require you to get an SR-22.

How Does It Work?

Getting an SR-22 means reaching out to your car insurance company. They will then file the SR-22 certificate with the state's Department of Motor Vehicles (DMV) on your behalf. This certificate is like a promise that you're now insured and will follow the rules.

How Long Do You Need an SR-22?

The duration for which you must carry an SR-22 can vary depending on your situation and the state you live in. Typically, it lasts for about three years, but it could be more or less depending on your circumstances.

What You Should Know:

1. Cost of SR22:

   Having an SR-22 might make your car insurance more expensive because insurance companies see you as a higher risk.  Generally the actual filing costs less than $50 every six months.

2. Drive Safely:

   To avoid needing an SR-22 in the first place, always drive responsibly, follow traffic rules, and have proper insurance.

So, there you have it! An SR-22 is a special certificate that proves you have car insurance and are taking steps to be a responsible driver. It's not something you'd want to deal with, but if you ever find yourself in a situation where you need one, remember to drive safely and follow the rules to get back on track.

How do I get an SR22?

That is a great question and that is why you need to check out our blog on that subject right here.

We have office in Johnson City, TN in the Boones Creek area at 4451 North Roan Street, Johnson City, TN 37615.  We are next to Dave’s Waves and across the street from Ingles.  We also have an office in Kingsport, TN in the downtown area at 419 East Market Street, Kingsport, TN 37660. 

You can call our Johnson City office at (423)292-4142 or our Kingsport office at (423) 328-8434.  

Veritas Risk Management, Inc. offers proactive risk management services covering a wide variety of topics. Veritas Risk Management, Inc. does not engage in the practice of law, accounting, or tax consulting.  We encourage everyone to consult with his or her own professional advisor for details concerning his or her specific facts, situations, and circumstances.