📚 Glossary

Sr22

The comprehensive resource platform for High-Risk Auto Insurance & Legal Compliance.

Resource

A source of information, guidance, or assistance.

Guide

A comprehensive document that explains a topic in detail.

Financial Responsibility

The legal requirement for drivers to prove they can cover damages or injuries they may cause in an accident.

High-Risk Driver

An individual deemed more likely to file an insurance claim due to their driving history, leading to higher premiums.

DMV

Department of Motor Vehicles; the state agency responsible for driver's licenses, vehicle registration, and enforcing traffic laws.

DUI

Driving Under the Influence; a criminal offense for operating a vehicle while impaired by alcohol or drugs.

DWI

Driving While Intoxicated; another term for DUI, used in some states, referring to operating a vehicle under the influence.

License Suspension

Temporary removal of driving privileges, often due to traffic violations, unpaid fines, or failure to meet SR22 requirements.

License Reinstatement

The process of restoring driving privileges after a period of suspension or revocation.

Non-Owner SR22

An SR22 policy for individuals who do not own a vehicle but need to meet financial responsibility requirements to drive.

Liability Insurance

Coverage that pays for damages and injuries you cause to other people or their property in an at-fault accident.

FR44

A certificate of financial responsibility similar to an SR22 but with higher liability limits, required in Florida and Virginia for specific offenses.

Proof of Insurance

Documentation demonstrating that a driver has valid auto insurance coverage, often required by law.

Reinstatement Fee

A fee charged by the DMV to restore a suspended or revoked driver's license.

Insurance Lapse

A period when a vehicle is not covered by an active auto insurance policy, which can lead to penalties.

Traffic Violation

An act that breaks a rule of the road, ranging from minor infractions to serious offenses.

Restricted License

A driver's license with specific limitations, such as driving only to work or school, often issued after a suspension.

SR26 Form

A form filed by an insurance company with the state DMV to notify them of the cancellation or lapse of an SR22 insurance policy.

Broad Form SR22

An SR22 endorsement added to a broad form insurance policy, which covers the individual driver for any vehicle they operate, rather than a specific ve...

Administrative Per Se

An administrative action by the DMV to suspend a driver's license immediately upon arrest for DUI/DWI, separate from criminal court proceedings.

Ignition Interlock Device (IID)

A device installed in a vehicle that requires the driver to pass a breath alcohol test before the engine will start.

Reinstatement Fee

A fee charged by the DMV to restore a suspended or revoked driver's license.

Motor Vehicle Report (MVR)

A record of a person's driving history, including violations, accidents, and license status, used by insurance companies and employers.

Proof of Financial Responsibility

Documentation required by states to show that a driver can cover the costs of damages or injuries in an at-fault accident.

Restricted License

A driver's license with specific limitations, such as driving only to work or school, often issued after a suspension period.

SR22A

A certificate of financial responsibility, similar to an SR22, but typically used in states like Georgia for specific offenses, often requiring prepai...

Underwriting

The process by which an insurance company assesses the risk of insuring a particular applicant and determines the premium.

Liability Coverage

The portion of an insurance policy that covers damages and injuries to other parties if the policyholder is at fault in an accident.

High-Risk Driver

An individual deemed more likely to file an insurance claim due to their driving record, often resulting in higher insurance premiums and SR22 require...