What is SR-22 insurance in Louisiana, and when do you need it?
An SR-22 isn’t a separate insurance policy. It’s a certificate your insurance company files with the state to prove you carry the minimum amount of coverage required by Louisiana. If you don’t own a car, you must purchase a nonowner policy and get an SR-22 to prevent your license from lapsing.
The state of Louisiana requires drivers convicted of certain driving violations to obtain an SR-22 form. The following offenses typically lead to a court-ordered SR-22 requirement:[1]
You must maintain the minimum state coverage with an SR-22. The minimum automobile insurance requirements in Louisiana are:[2]
$15,000 for bodily injury for a single person
$30,000 for bodily injury for more than one person in a single accident
$25,000 for damage to another person’s vehicle or property
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How can you get SR-22 insurance in Louisiana?
The court will notify you if you’re required to have SR-22 insurance. Drivers required to have an SR-22 will need to pay a fee to their insurance company, which will file the proper paperwork with the state. You may need to shop around for a policy that fits your needs, as some insurers don’t offer SR-22s.
“Not all auto insurance providers are required to offer an SR-22 or FR-44, but many do to better serve their customers,” says Amanda Moss, a licensed auto insurance agent with A Plus Insurance. “Since each state has its own laws regarding car insurance, the requirements for insurance providers on whether or not they need to offer a financial responsibility form will be based solely on [individual state laws].”
Moss recommends asking companies you’re interested in purchasing insurance from if they offer SR-22 forms.
How long is SR-22 insurance required in Louisiana?
Drivers in Louisiana must maintain their SR-22 continuously for at least three years from the date of their conviction.
If you allow your SR-22 to lapse, your required coverage time may reset. Additionally, you could face fines or have your driver’s license revoked. Time requirements may vary based on your compliance and the severity of your violations.