SR-22 Auto Coverage in Maryland
SR-22 Auto Insurance in Maryland
Driving in Maryland can be a wonderful experience, but you better have auto insurance. After all, the year 2007 saw 101,888 in the state of Maryland alone! Proof of insurance is given with a Maryland Insurance Certification FR-19. Additionally, if you're considered a high-risk driver, you may be required to obtain SR-22 coverage.
SR-22 information for Maryland
Certain drivers in Maryland are required to file an SR-22. This is a form of proof of financial responsibility, and is usually required of high risk drivers. High risk drivers may be those who have a DUI, excessive moving violations, convicted of reckless driving or other unsafe driving behaviors, and those found to be driving without auto insurance.
Maryland SR-22 insurance providers and limitations
In Maryland, the SR-22 must be issued by an auto insurance company that is licensed to do business . The SR-22 simply certifies to the DMV that the proper amount of auto insurance has been purchased. The SR-22 also certifies that if the auto insurance lapses, for any reason, the insurance company will notify DMV of the lapse. More often than not, this results in loss of driving privileges.
SR-22 auto insurance certificates must originate in Maryland for them to be valid. This means that you cannot use an SR-22 that you purchased in another state. In order for an SR-22 to be valid in Maryland, it must be filed through the auto insurance office.