What Is SR-22 Coverage and Who Needs It? 

SR-22 is not actually a type of auto insurance policy. Instead, it’s a certificate your insurance company files with the state to prove you carry the minimum required auto liability coverage. The SR-22 form is often required for drivers classified as high-risk due to certain violations or incidents.

Why Might You Need SR-22 Insurance in Indiana?

Indiana may require you to obtain SR-22 coverage if you’ve experienced any of the following:

• Conviction for driving under the influence (DUI or OWI)
• Driving without insurance or proof of insurance
• Multiple traffic violations or serious offenses
• License suspension or revocation
• At-fault accidents without insurance

SR-22 is generally required for drivers considered high-risk by the state. If you’ve received a notice from the Indiana BMV or a court order, you must maintain SR-22 coverage for a specified period, often three years. Failing to keep your SR-22 current can result in further license suspension or other penalties.

How Our Team Can Help

At Luevanos Insurance Agency, we help Indiana drivers secure the right SR-22-compliant insurance and understand their obligations.

If you’ve been told you need SR-22 coverage or have questions about your options, contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.