Reader’s Question:

Hi! I’m Ben from Colorado Springs, Colorado. I would just like to get a clearer picture of what an SR-22 is. A little help, please.

Ben

Colorado Springs, CO

Hey, Ben, how’s it going in Colorado Springs, Colorado? Simply put, an SR-22 is a document required by the state that proves that you have the minimum insurance in compliance with that particular state’s laws. Not everyone needs this, though. You will most likely need one if you have a marred driving record. That is, if you were caught drunk driving, perhaps, or without the minimum required insurance or driving without a license. If you are required to have this, you will have to purchase an automobile insurance and inform your insurance company that you need an SR-22. Your chosen provider will file this form in your behalf with the proper government office, which is usually the Department of Motor Vehicles. Once this has been done, you will again be able to drive legally, that is, with the proper licenses and insurance. As your insurer has guaranteed to the government that you are insured. Once the insurance lapses, so does your right to continue driving. So if you need this, make sure you renew when you have to.

But altogether, it would really be better to avoid all this hassle by ensuring you drive safely, with the proper documents and covered with the right amount of insurance.

Tags: auto insurance, sr22 insurance