Reader’s Question:

Is it a way for the insurance company to know if you are a high risk driver if they ask you why when you get an sr-22?

Martha

Good Question Martha.

SR-22 form in Tennessee is proof of future financial responsibility as required under Tennessee Code. An insurance company needs the information as to the reason for getting an the SR-22 policy so they can inform the state of your compliance.

Here are the lists what is usually required of an insurance company when filing a SR-22 for an individual:

1. A copy of the certificate or form is required. This generally has all the information an insured gives to the insurance company.
2. Authorized signatures are required.
3. A sr22 filing may be made for an insured other than a named insured
4. no provision for fleet filings.
5. SR26 form must be filed not less than 20 days prior to the termination of coverage.
6. Insurers must enter their NAIC number on the SR22/26 certificates.
7. Filings are to be mailed to: Tennessee Department of Safety

Insurance companies are aware of TCA 55-12-114 and the reasons listed there why an SR-22 may be needed by an person. Insurance companies never ask why to know if you are a high risk driver or not.

Insurance providers will be able to know if you are a high risk driver by looking at your driving record. For example, if you are required to carry a SR-22 due to a DUI, the insurers will be able to know about the DUI offense from your driving record anyway.

Goodluck!

MariCAR