If you’re eager to get back on the road after a DUI or other serious driving offense, you’re typically required to file for an SR-22 — a certificate of insurance that proves you’re legal to get back behind the wheel.
But this isn’t something you can do on your own. Instead, you’ll need to work with an insurance company that’s licensed in your state.
If you’re already with Travelers, contact your agent about filing an SR-22 on your behalf.
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How do I get an SR-22 with Travelers?
If you already have a policy with Travelers, contact your local agent to see if they’ll cover you under an SR-22.
For your agent to file for an SR-22 on your behalf, you’ll need to provide:
- Your policy number, if you’re a current Travelers customer.
- The date your driver’s license was suspended.
- How long you’ll need to file an SR-22.
- Any additional information about your violation.
You’ll find that most insurance companies charge between $25 to $50 to file a SR-22 for you. You can also be dropped from coverage for certain violations like a DUI.
What if I’m not a Travelers customer?
If you don’t have a current policy or you’re dropped by your current provider, Travelers may be willing to take you on. Eligibility for an SR-22 policy is determined by case and depends on your state, violation and driving history. Call a local agent to see if they’ll cover you.
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Will Travelers Insurance raise my premiums if I file for an SR-22?
Having an SR-22 means that you’re considered a high-risk driver, so it’s possible that you’ll see an increase in your premiums. Ultimately, rates are based on your age, driving history and other factors. Once you meet your SR-22 requirements, your rates could go down.
Talk with a Travelers agent about how much you should expect to pay once you file for an SR-22. You may be eligible for discounts to help lower your payments.
Will Travelers cancel my policy if I file for an SR-22?
It’s possible that Travelers will cancel your insurance policy once you’re required to file for an SR-22.
If you’re denied coverage because of an SR-22, like most car insurance providers, Travelers should notify you with sufficient time to find coverage elsewhere.
What is SR-22 insurance?
How will I know if I need an SR-22?
The DMV or court will let you know if you need an SR-22 — usually after your license or registration is revoked due to a serious driving violation.
Depending on your state, those driving violations could include:
- Accumulating too many points on your driving record.
- A DUI, DWI or reckless driving conviction.
- Causing an accident or driving without insurance.
How long will I be required to file SR-22 documents?
It depends on where you live and your violation, but many states require you to file for an SR-22 up to three years — and even up to five for serious violations like an DUI.
To avoid any blips in your SR-22 requirement, you’ll want to pay your premiums on time and avoid further issues on the road. If you fail to sustain continued coverage while an SR-22 is on your policy, you could face a reset on your filing requirement.
What happens when I don’t need an SR-22 anymore?
When you’ve fulfilled your SR-22 responsibility, your DMV will notify you. It’s then your responsibility to let your Travelers agent know. They’ll confirm with the state and remove the SR-22 from your policy.
Ask your Travelers agent if removing the SR-22 can result in more affordable premiums.
What if I don’t have a car?
If you don’t own a car but occasionally get behind the wheel, you’ll typically need coverage. Insurance companies often offer non-owner SR-22 policies that insures you, and not the car you drive.
Contact your Travelers agent to learn the options available for non-owner policies.