What Is SR22?
When you’ve been a part of a serious traffic violation, you have to meet an additional requirement for your auto insurance. It’s called the Iowa SR22 form, and you can get it from your insurer.
You can also consider the form to be a certification of your financial responsibility.
Filing this form means that you’ll be paying higher car insurance as compared to someone with a clean driving record. Additionally, you’ll have limited options when choosing an auto insurer since not all companies offer insurance to people with an SR22.
Having the form provides that you have the ‘minimum liability insurance’ according to your state. Since the amount differs for each state, it’s important to know your local regulations about SR22.
Types of SR22 Forms
When getting Iowa SR22 insurance quotes, you should also consider the types of SR22 forms. Here are the three types:
- Non-owner: A non-owner or operator refers to someone who does not own a car and occasionally drives one after borrowing from someone else. In such cases, the SR22 form protects the person who has the policy rather than a certain vehicle. In some states, it’s called non-driver SR22 and is essential.
- Owner: As an owner, you’re someone who drives his or her own car.
- Operator/Owner: Such SR22 forms are for people who own their cars and also occasionally rent or borrow a car from someone else.