What is SR-22 Insurance?

Essentially, the SR-22 insurance form is the key to reinstating driving privileges following a driving after drinking conviction (DUI, DWI, OWI).

If you are convicted of driving after drinking in North Carolina (or anywhere else in the U.S.), you’ll need to learn about SR-22 Insurance.

As a penalty for offenders, every state requires that the driver lose their privilege to drive for a period of time. Depending on the state laws, it could be a few days or up to one year. In order to regain your ability to drive, you will need to show your licensing agency an SR-22 insurance form.

An SR-22 insurance form proves you have vehicle liability insurance, and the agency that provides your insurance is required to let the DMV in your state know if your policy is canceled or terminated.

Once you have an SR-22 insurance form, your insurance company will consider you a high-risk driver. If you previously received safe driver discounts or were eligible for any type of insurance discount, your premiums could potentially triple from what you were originally paying.

How long will you be required to pay higher premiums due to needing SR-22 insurance? Laws vary by offense and state. Learn more on LifeSafer.