![]() Why choose Breathe Easy?īreathe Easy partners with our customers to help them understand SR22 and insurance requirements, find affordable insurance, and file the certificate with the DMV. Your insurance provider will then file the SR22 certificate with the DMV. This means that if you do not own a vehicle but have regular access to someone else’s vehicle, you will need to purchase a non-owners insurance policy that meets your state’s minimum liability requirements. What is non-owner SR22 Insurance?ĭrivers who do not own a car and need an SR22 certificate are required to obtain a non-owners auto insurance policy with an SR22 certificate. Call Breathe Easy at 833.786.0237 to get a free, no-obligation quote. Once you’ve purchased an insurance policy, we file your SR22 certificate with the DMV. We’ll help you understand what coverage you need, find you the best coverage at the best available price, and provide tips on how to keep your costs low. How do you get an SR22?īreathe Easy will help you get the necessary SR22 documentation so you can get back on the road. ![]() You may even have to pay higher premiums once the requirement to file an SR22 has passed. However, drivers who are required to file an SR22 have been identified as high risk which will likely cause premiums to be much higher than a standard insurance policy. The SR22 certificate itself is not expensive. Once your insurance provider refiles the SR22, you will need to visit your local DMV to pay a reinstatement fee and regain driving privileges.īreathe Easy will contact you once your SR22 certification is about to expire. To reinstate your license, you will be required to pay your overdue insurance premiums and your insurance provider will refile your SR22 with the DMV. At this point, your driver's license will likely be suspended again. If you fail to pay your premiums, your insurance policy will be canceled, and your insurance provider will notify the DMV that your coverage has lapsed. If your insurance coverage lapses, you may be required to maintain an SR22 certificate for a longer period of time, depending on the offense. The certificate stays valid as long as you pay your insurance premiums in full and on time. Most states require drivers to have an SR22 on file for three years, although some state laws vary. To regain your driving privileges, you must have an SR22 on file with the DMV. Operating a vehicle with a suspended license.Incurring an excessive number of traffic tickets.Failing to provide proof of auto insurance. ![]() While each state has its own financial responsibility laws, you will likely need an SR22 if you have been arrested or found guilty of any of the following: Once this certificate is on file, the DMV will reinstate your license, and you can start driving again. Once you have an insurance policy that meets your state’s requirements, your insurance provider will electronically file your SR22 certificate with your state’s Department of Motor Vehicles (or equivalent such as BPS, DPS, DoR). Some states, such as Florida and Virginia, refer to the certification as FR44. Almost every state requires an SR22, or Safety Responsibility, a certificate for high-risk drivers. While many people believe SR22 is insurance coverage itself, it’s the documentation that proves you are insured to drive. An SR22 is a certificate your insurance company provides that proves you carry your state’s minimum requirement of liability insurance.
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