What’s SR-22 Auto Insurance?

Often misunderstood as a type of insurance, SR-22 is, in fact, a certificate of financial responsibility mandated for certain drivers. If a court or the Washington State Department of Licensing has ordered you to obtain an SR-22, the University Place, WA-based MTC Insurance Agency Group is here to guide you through the process.

Unveiling the SR-22 Certificate

The SR-22 is a document filed by your insurance company to the state, certifying that you hold the bare minimum auto insurance coverage obligatory under Washington law. Frequently, states require SR-22 to either reinstate or maintain a driver’s license after one or more serious traffic offenses, such as a DUI conviction, reckless driving, or operating a vehicle without insurance.

It’s crucial to note that SR-22 isn’t insurance per se. It’s simply a certification appended to your existing auto insurance policy, which is commonly referred to as "SR-22 insurance."

Who Requires an SR-22?

Drivers who have committed severe traffic offenses may be required to file an SR-22 in University Place, WA. The mandate may arise from incidents like at-fault accidents without insurance coverage, repeated traffic offenses in quick succession, or a conviction for driving under the influence of drugs or alcohol.

The order to hold an SR-22 usually lasts for a specific period, typically three years. However, depending on the severity of the offense and the state’s determination, the duration could vary.

Assistance with SR-22 Requirements from MTC Insurance Agency Group

The MTC Insurance Agency Group team is committed to helping clients navigate the SR-22 process. Our agents assist with securing appropriate auto insurance, requesting the SR-22, and ensuring it’s filed correctly with the state. Reach out to us if you need an SR-22—we’re here to simplify the process for you.