How Does SR-22 Insurance Work?

SR-22 is not an insurance type. It’s a certificate of financial responsibility that some drivers must provide to the Virginia Department of Motor Vehicles (DMV) to prove that their auto insurance meets the state’s minimum requirements. This certificate may be required in various situations, often tied to driving violations. 

HIS Insurance and Service Inc, based in Winchester, Virginia, offers expert advice and guidance for drivers who need SR-22-compliant auto insurance. Contact us for a detailed quote and consultation regarding your SR-22 insurance needs.
 

What Does SR-22 Insurance Cover?

In Virginia, SR-22-compliant insurance may help cover damages you cause in an accident up to the policy's dollar limits, including the following: 

• Injury or death of one person
• Injury or death of two or more people
• Property damage 

To better understand how SR-22-compliant coverage fits into your overall insurance coverage, contact HIS Insurance and Service Inc for personalized assistance.
 

When Is SR-22 Insurance Required?

You may be required to file an SR-22 form in the following circumstances:   

• DUI or DWI convictions
• Serious moving violations
• After an at-fault accident with no insurance
• Repeat traffic offenses or a high number of points on a driving record

How Do You Know If You Need SR-22 Insurance?

Determining whether you need SR-22 insurance can be straightforward. Key indicators include the following: 

• Notification from the court or DMV in an official communication indicating the requirement for an SR-22
• Suspended or revoked license in cases where reinstatement is contingent on SR-22 insurance
• Seeking to obtain a hardship or probationary license when traffic offenses result in a suspended license

Contact Us

 
Contact HIS Insurance and Service Inc today for a personalized SR-22-compliant auto insurance quote.