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What is an SR22? What is the difference between it and the SR21?


A

An SR-22 is a document or form required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations. It will depend on state laws the reason for the SR-22, certificate of financial responsibility, is needed. For many states it is needed to reinstate a driver's license, especially if the suspension was for driving without insurance.

Definition of an SR-22 from the Car Insurance glossary: SR-22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual. This form is normally required when insurance is provided to an individual who was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Again each state has different variations of this form and requirements.

The only SR-21 form we are familiar with is in Indiana and was known until the end of 2005 as the Indiana Operator's Vehicle Crash Report.

For collisions in Indiana occurring after December 31, 2005, the operator of a vehicle involved in a motor vehicle accident is required to send the form to the Bureau of Motor Vehicles (BMV). The Bureau has slightly "revised" the form to better identify who is actually insured on the form. The new form is titled "Indiana Operator's Proof of Insurance/Crash Report" and is State Form 52441

Thus effective Jan. 1, 2006, an individual involved in an automobile accident in Indiana resulting in damage over $1,000 must send the Indiana Operator's Proof of Insurance/Crash Report (SR21) to the Indiana Bureau of Motor Vehicles within 10 days of the accident. Previous state law required drivers to send the form to the Indiana State Police within 10 days of the accident. Again it should be mentioned that the IN SR21 form has been updated in an attempt to eliminate confusion for an insurance agent or driver completing the form.

However, as of 2012 Indiana no longer requires the SR-21 form after an accident.  In an effort to curb fraud, the BMV now only accepts proof of insurance directly from insurance providers.  They found that eliminating the SR-21 simplifies the process to provide accurate auto insurance coverage.

Although the SR-21 form is no longer required, the insurance verification process remains the same in Indiana. The BMV relies on law enforcement for accident reporting and drivers are still required to submit proof of financial responsibility when requested by the BMV. Upon receipt of an accident report from law enforcement, the BMV will send a request for insurance verification to the driver, explaining the driver’s insurance provider must electronically submit a certificate of coverage (COC) to the BMV.

If there are any questions regarding how to provide proof of insurance after an accident in Indiana, contact your car insurance agent.


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