What is SR-22 Insurance?

SR-22 insurance, also known as a Certificate of Financial Responsibility (CFR), is a document issued by your auto insurance company to verify that you carry the required liability insurance coverage. In Connecticut, the Department of Motor Vehicles (DMV) may mandate SR-22 insurance for certain individuals following specific driving violations.

Who Needs SR-22 Insurance in Connecticut?

If you are required to obtain SR-22 insurance, the courts or the DMV will notify you. This requirement is typically triggered by certain driving-related violations, including:

• Accidents caused by uninsured drivers
• Driving under the influence (DUI) or other serious moving violations
• Reckless driving or repeated traffic offenses
• A revoked or suspended driver’s license

These situations demonstrate a pattern of risk, prompting the need for SR-22 to ensure you meet the state’s insurance requirements.

Are There Fees Associated with SR-22 Insurance?

Yes, SR-22 insurance comes with additional costs. In most cases, there is a one-time filing fee of approximately $25, though the exact amount can vary. This filing fee is separate from your auto insurance premiums, which may also increase depending on the violation that triggered the SR-22 requirement.

If your policy lapses, you will need to pay another filing fee to reinstate the SR-22. It’s crucial to maintain active insurance to avoid interruptions and additional costs.

How Does SR-22 Insurance Impact Premiums?

While the SR-22 itself is not expensive (processing fees typically range from $15 to $25), it can lead to higher insurance premiums. This is often due to the underlying violations that necessitated the SR-22, such as a DUI or multiple traffic offenses. Some insurance companies may refuse to cover drivers who need SR-22 insurance, or they may add surcharges to the policy.

It’s important to shop around for the best rates and work with an experienced insurance agent to ensure you receive adequate coverage at an affordable price.

Does SR-22 Insurance Have an Expiration Date?

The duration of SR-22 requirements in Connecticut depends on the specific violation that triggered it. In most cases, SR-22 insurance must be maintained for three years. However, this period can vary based on the circumstances and severity of the violation.

It’s essential to keep your auto insurance policy active during this time. If your policy is canceled or lapses, your insurance provider is legally required to inform the DMV, which could result in additional penalties, fines, or even license suspension.

How Can Bert McDowell Injury Law Help?

At Bert McDowell Injury Law, we understand the challenges that come with obtaining SR-22 insurance and managing the legal implications of driving violations. Whether you’ve been involved in an accident or are dealing with a DUI, reckless driving charge, or other traffic offenses, our team is here to help.

We can guide you through the complexities of SR-22 insurance requirements, ensuring you meet all legal obligations while protecting your rights. Our experienced attorneys will help you build a strong case if your legal situation requires it. We’ll also work to minimize the impact of violations on your insurance premiums and driving record.

Don’t navigate these challenges alone—let us help you every step of the way.