SR22's

SR22's in Colorado

SR22's in Colorado

SR22 Form — Auto Insurance in Canon City, CO
Affordable Insurance in Colorado, provides you with the best coverage at the best price. 
SR-22s (often referred to as “SR22 insurance") are often required for drivers who've had their licenses suspended due to driving without insurance, DUIs, or other serious violations. Because SR-22s (and the similar FR-44) can be confusing, we've provided answers to some of the most commonly asked questions about this financial responsibility requirement. 

What is an SR-22?
  • An SR-22 is a certificate of financial responsibility that ensures that you are meeting your state's car insurance requirements, and that you will continue to meet these requirements for a specified amount of time (generally 3 years).

Who needs an SR-22?
  • You are most likely to be required to file an SR-22 if:
  • You are convicted of a DUI/DWI.
  • You are found to be driving while uninsured.
  • You are involved in a serious injury-causing accident.
  • You have a large number of points on your driving record.
  • Often, an SR-22 is required for reinstatement of a suspended or revoked license. Your state's Department of Motor Vehicles will inform you if you need to file an SR-22.

Is an SR-22 a type of car insurance?
  • SR-22s are often referred to as “SR22 insurance." However, this is a bit of a misnomer, as they are not really a type of insurance. SR-22 is more accurately defined as a type of proof of insurance.

How do I get an SR-22?
  • Because SR-22s are primarily linked with serious violations, purchasing and filing an SR-22 is not as simple as sending a standard proof of auto insurance to your DMV.
  • You will first need to contact your car insurance company to inform them of your need for an SR-22 certificate of financial responsibility. Note that an SR-22 requirement will typically change your insurance risk factor to high, which means your car insurance company may not offer to file an SR-22 for you because they do not cover high-risk drivers. This means you may have to find a new insurance provider.
  • Once you've found a company to insure you, you will need to have them file the SR-22 with the appropriate government department. You cannot file an SR-22 on your own.

An SR-22 is meant to be certified proof that you have and will continue to have the legally mandated required car insurance limits. To guarantee authenticity, the SR-22 must come straight from the car insurance provider.

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