Reader question:

What’s SR 22 car insurance?

Andrew

Good question.

An SR 22 is something that your car insurance company has to fill out and file with the department of motor vehicles for your state to provide proof that your vehicle is insured. Normally, there are reasons why you have to have SR 22 insurance. You might need it if:

• You have a ticket for driving without insurance.
• You have a drunk driving offense.
• You have a speeding ticket.

For the most part, if you have to get SR 22 car insurance then you will have to have it for a period of three years. Usually it is more expensive than other types of policies, and you may find it hard getting insured with this requirement. And after the three years, your rates do not automatically go down. It may take five years.

Cheers,

Fashun Guadarrama.