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Car WreckIn the United States, an SR-22 is a vehicle liability insurance document used by some state Department of Motor Vehicles (DMV) offices. The SR in SR22 stands for Safety Responsibility. An SR22 Filing is filed by an auto insurance company, and submitted to the state. It provides proof that a driver has the minimum required liability insurance coverage for that particular state.

A DMV may require an SR-22 from a driver in order to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. An SR-22 may be required for 3 years for driving without insurance, driving with a suspended license, and up to 5 years for a DUI. For drivers who require SR-22 documentation, but do not own vehicles, the state laws may require such drivers to obtain and provide proof of a non-owner SR-22 policy to be eligible for reinstated driving privileges. If an SR-22 should expire or be canceled, the insurance company is required to issue an SR-26 form, which certifies the cancellation of the policy.Upon notice that there has been a lapse in coverage, the state will suspend the driver's license again. Another SR-22 Filing will need to be submitted to regain driving privileges.

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Insurance companies sell several types of basic automobile insurance coverage.

Liability insurance is the most basic type of automobile insurance available. Missouri law requires an automobile liability policy to include:

  • Bodily injury liability insurance, which protects you and your family financially if you are sued by someone injured in an accident in which you were involved. It will pay legal and court costs and damages awarded up to the limits written into the policy.
  • Property damage liability insurance, which covers your legal responsibility for damages to the property of others caused by collision with your car. In an accident, the "property of others" is usually another car, but it also covers damage to public and private property such as road signs, bridges or buildings, up to the limits written into the policy. Do not confuse this coverage with physical damage or collision insurance, which applies to damage or loss to your car, regardless of fault.
  • Uninsured motorists insurance, which covers your bodily injuries and those of your passengers if you are hit by an uninsured motorist or hit-and-run driver who is responsible for the accident. It does not cover damages to your car.
Example: A minimum liability insurance package might be shown as 25/50/10, BI, PD, and 25/50 UM. BI means bodily injury liability, PD means property damage liability, and UM means uninsured motorist coverage.

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Call us today for a fast, free Missouri SR22 insurance filing at 888-607-6499

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