SR-22 After an At-Fault Accident
Being found at fault in a serious accident can trigger an SR-22 requirement, especially if you were uninsured or underinsured at the time. Here's what you need to know.
When At-Fault Accidents Require SR-22
Not all at-fault accidents trigger an SR-22 requirement. Typically, SR-22 is required when: the accident involved serious injuries or fatalities, you were uninsured at the time, you were unable to pay for damages, or the accident was combined with other violations like DUI.
Uninsured At-Fault Accidents
If you caused an accident while uninsured, the consequences are severe. In addition to the SR-22 requirement, you may face lawsuits for damages, license suspension until all judgments are satisfied, and significantly higher insurance premiums going forward.
Insurance Implications
An at-fault accident on your record typically increases premiums by 20% to 50%. When combined with an SR-22 requirement, costs can be even higher. However, the impact diminishes over time, and most insurers look back only 3-5 years.
Steps After an At-Fault Accident
Report the accident to your insurer immediately. If your license is suspended, work with your insurer to file an SR-22. Pay any required fines or reinstatement fees. Consider increasing your coverage limits to protect yourself in future incidents.