What Kind of SR22 Insurance Form Do I Need To File?
Reader question:
What kind of SR22 form must I file?
Anne
Thanks for asking, Anne.
In most cases, you won’t be filing anything. However, car insurance companies handle the SR22 form in different ways. You will probably come up upon different scenarios for filing the SR22 form. Most commonly, your car insurance company will do it itself. First, you will request the insurance, and then your car insurance company will send the request on to its home office, which will file your SR22 form with your secretary of state. You’ll never even see it.
Other companies take a more hands on approach. Some will mail you the SR22 form, and then you will have to fill it out yourself and take it up to the department of motor vehicles for your state. Other car insurance companies take it online, and you can access your SR22 form through the internet, where it can be downloaded and printed out from your car insurance companies website, and you might even be able to fill it out on a pdf document before you print it.
As for the kind of SR22 form you will file, there are three types.
- Operator’s SR22 form. This is for someone who does not own a car, but only drives other cars, and thus needs an SR22 form to drive non owned vehicles.
- Owner’s SR22 form. This is the SR22 form that is filed for the driver and car that they own.
- Owner Operator SR22 form. This is a combination of the two above types, and covers the insured in both cars that he does not own and the car or cars that he does own.
Cheers,
Fashun Guadarrama.
