Sr-22’s are required when drivers had their driver license suspended as a result of driving without insurance, DUI or other serious traffic violations. Customers have many questions about SR-22’s since it is a confusing topic. We answered the questions that are most asked by customers who are in the need of a SR-22.
What is an SR22 and how do I know if I need one?
An SR22 is not insurance, but you do need auto insurance to get one. An SR22 is a form which is required by the state of Arizona to prove that you carry a specific type of insurance. This is minimum liability limits.
You will need a SR-22 if you have one of the following:
- Convicted of DUI/DWI
- No Insurance Violation
- Serious Injury – Causing Accident
- Too Many Points On Driving Record
Obtaining an SR-22 is usually required when you need you license reinstated after it has been suspended or revoked. The Department of Motor Vehicles (DMV) will inform you if an SR-22 is needed.
Does a Phoenix SR22 Insurance cost extra money?
Not usually. Most of the 20 plus auto insurance companies that UNO Insurance Agency writes for do not charge extra for the Phoenix SR22 insurance form, but you do have to carry auto insurance.
How long do I have to have an SR22 for?
You must have an SR22 for three years.
What if I do not have a car, do I still need an SR22?
Yes. You can get a non owners auto insurance policy.
What happens if I do not have an SR22 and the motor vehicle department states that I should?
Your drivers’ license will be instantly suspended or revoked and you will have to pay a fine.
What happens if my auto insurance gets cancelled or if I do not renew or replace the auto insurance?
The same as above. Your drivers’ license will be suspended or revoked.
To get more information or to purchase low cost auto insurance through UNO Insurance, contact us at (602) 493-2300.