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Q

Starting next month I will need to carry SR22 insurance for 18 months. Will this affect my ability to rent a car on the vacation that I have booked for this spring?


A

The SR-22 is a financial responsibility certificate that is filed with your state. It proves to the state that you have at least the minimum auto insurance coverages that the state is requiring you to maintain. As long as you have a valid license we know of no reason that having a SR22 filed with the state would affect your ability to rent a car when you go on vacation.

To make certain that the rental car agency does not have any policies that would prohibit you from renting a car due to having the SR22, or because the reason that the state required you to obtain this state filing such as a DUI, etc, contact the rental car company. Their representatives should be able to advise you whether you can still rent a car without any issues in your current situation. Many rental car agencies now have their limitations and restrictions on their websites, so you may start by looking there and then calling on the phone if you need to clarify any issues you may have due to your SR-22 situation.

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For example Alamo Rent a Car notes that rental of a vehicle may be subject to a verification of your driving record. All renters/drivers are subject to having their driving records and licenses checked.

If a renter/driver does not meet the Alamo's applicable rental requirements, including the guidelines for driver's licenses and driving records, the driver may be denied a rental. A few of the reasons that this rental car company states that rental privileges can be denied is if a driver's license is suspended or his/her record includes, but is not limited to, one of the following:

  • One or more convictions for reckless driving within the past 36 months.
  • DWI/DWAI/DUI within the past 36 months.
  • Three or more moving violations within the past 24 months.
  • Two or more accidents within the past 24 months.
  • Fail to report/leave scene of accident within past 36 months.
  • Operate without a license within past 36 months.

There are other reasons in which this or other rental agencies can deny a rental. So if you have several minor violations or a major violation on your driving record that is what caused you to have to file a SR22 then you should definitely check with the rental car provider to make sure


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