Understanding the Legal Requirements for SR-22 Insurance

If you’ve been told you need SR-22 insurance in Alabama, you may have questions about what it means and how to stay compliant. The agents at Crawford Insurance LLC help drivers navigate the SR-22 process and meet state requirements with confidence.

When Is SR-22 Insurance Required in Alabama?

SR-22 insurance is not a type of auto policy, but rather a certificate your insurer files with the state to prove you carry the minimum required liability coverage. In Alabama, you may be required to file an SR-22 if:

• Your license has been suspended or revoked due to DUI, reckless driving, or other serious violations
• You’ve been caught driving without insurance
• You’re involved in an accident without proper coverage
• You have multiple traffic offenses within a short period

The Alabama Department of Public Safety typically mandates SR-22 filings for high-risk drivers as a condition for license reinstatement.

What Does the SR-22 Filing Process Involve?

Once you’re notified that an SR-22 is required, you’ll need to take the following steps:

1. Contact your insurance provider to request an SR-22 filing.
2. Ensure your auto policy meets Alabama’s minimum liability limits.
3. Pay any associated filing fees.
4. Maintain continuous coverage for the required period (often three years).

If your policy lapses or is canceled during this time, your insurer must notify the state, which can result in another license suspension.

Learn More

We understand the stress that comes with SR-22 requirements. Our team works with Alabama drivers to:

• Explain SR-22 obligations and answer your questions
• Find affordable coverage options that meet state laws
• Handle the SR-22 filing process quickly and accurately
• Support you throughout the compliance period to help you avoid further penalties

If you need guidance on SR-22 insurance or want to get started with your filing, contact us today. We’re here to help you get back on the road with peace of mind.

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.