How to Apply for SR-‐22 Insurance Online If you have been deemed to be a driver who needs to buy high-‐risk auto insurance because of past driving indiscretions that have led law enforcement to charge you with a driving violation like Driving Under The Influence of Alcohol, you might be told that you need to file an SR-‐22 form. You simple tell your insurance company that you need to fill an SR-‐22 form to the State in which you have bought your auto insurance letting them know that you have, indeed, been sold and bought auto insurance. The SR-‐22 form can be filed online. You need to file an SR-‐22 form only if you have been notified by a state that one is required from you proving that you carry auto insurance, at least up to the state's minimum requirements for liability in your auto insurance. You can file your SR-‐22 online if you have been notified by a state's Department of Motor Vehicles that one is required from you because of your past driving violations including accidents that you had without owning auto insurance in that state. Here are a list of states participating in electronic data exchange of SR22/SR26: • Colorado • Idaho • Illinois • Missouri • Nebraska • Washington • Wisconsin • Wyoming Simply put, when a state considers you to be a high risk driver, you must prove that you do own auto insurance by filing an SR-‐22 form which you can file online. Before you can file an SR-‐22 form online, you need to find an auto insurance company that is willing to write you an auto insurance policy with state minimum liability coverage that you can afford. You must show proof that you have, actually, paid for your state minimum auto insurance policy. Almost all auto insurance providers provide online quotes for SR22. Once you have paid for your auto insurance policy, you can get the information from your policy that is required to fill out the SR-‐22 form. Some of the information that you need to file is the onset of your high risk insurance policy and its terminating date. If you buy high risk insurance and terminate it after filing, your insurance company will have to notify the state that requires you to have high risk auto insurance. Usually, your insurance agent will be able to file your SR-‐22 form with the state once you have notified him that you have been notified by the state's Department of Motor Vehicles. If you let your auto insurance company know that you will have to file an SR-‐22 form, they will include the information that you will need to give to the state on the SR-‐22 form. For further more details, visit www.sr-‐22-‐insurance.org. The information that you need to fill out an SR-‐22 form is simple. You need to carry the minimum liability requirements for auto insurance. You need to have bought an auto insurance policy good for three years. You need to let the Department of Motor Vehicles know the name of your insurance company. The state in which you were caught in a driving accident without insurance is the state that will let you know if you need to fill out an SR-‐22 form indicating that you now comply with the law. The state in which you have been charged with a DUI is the state that will let you know if you have to fill out an SR-‐22 form indicating that you own high risk motorist insurance. The SR-‐22 form can be filled out by your insurance company along with your policy or you can fill one out online.
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