SR-22: What You Need To Know

Do you need an SR-22 but don’t know what to do? We can help. America’s Insurance handles SR-22 filings for our customers, sopolice__lights if the court has ordered you to carry an SR-22, we can file it for you. Just call 615-844-3737 and we’ll get you started.
What Is It?
Simply stated, an SR-22 is a document that shows proof of financial responsibility. You’ll need an SR-22 if the police caught you driving without insurance, and you’ll be required to carry the SR-22 for a specified amount of time (usually three years). Once you properly fulfill that time period, your SR-22 status expires. For information specific to Tennessee click here.
SR-22s also are associated with the following:

  • DUI or DWI or any serious moving violation
  • At-fault accidents while driving without insurance
  • Repeat traffic offenses or getting too many tickets in a short time period
  • License suspension or revoked license

How Long Do I Need an SR-22?

Expect a long relationship with your SR-22 — most likely three years — similar to a probationary period after a criminal offense. You must carry continuous insurance during the specified period of time before SR-22 status is removed. If your policy lapses or is canceled, your auto insurance company is required to notify the state immediately and your license will be suspended again.
If you are a our customer, we’ll cancel or terminate an SR-22 by filing a separate form with the state (an SR-26 in many states), generally 10 days before the SR-22’s expiration.