Delaware SR22 Insurance
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UPDATED: Nov 2, 2020
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What is SR22 Insurance for Delaware?
SR22 insurance, also called a SR-22 financial responsibility form, is a very specific type of insurance. It shows the Delaware authorities that the driver is financially responsible for liability coverage in Delaware. It is filed with Delaware DMV or Department of Motor Vehicles. The company that underwrote the policy issues it, but the driver is ultimately responsible.
Six major factors affect car insurance rates in Delaware. Which auto insurance factors will affect SR22 rates the most? Typically that’s a DE DUI.
Who needs SR22 Insurance in DE?
Drivers who have bad driving records need the SR-22. In Delaware, no SR22 is required. However, if another state has required you to have one, you should continue to carry it while in the state of Delaware. If your license is suspended for not carrying the proper forms in another state, it can also result in your Delaware privileges being suspended. Minimum requirements for coverage in Delaware are $15,000 for injury of one person, 30,000 for total injuries during a single collision, and $10000 for property damage.
Are There Different Types of Delaware SR22 Forms?
There are not different forms of SR22’s in Delaware as they are not required.
Is SR22 Car Insurance Required in Delaware?
An SR22 is not required in Delaware. If you were made to carry one in another stare, you must continue to do so in Delaware. Failure to maintain your SR-22 auto insurance can result in your license being suspended from the state that requires you to have a SR22 car insurance form on file.
How Do I File a Delaware SR22 Car Insurance Form?
Since one is not required in Delaware, you will need to file in the state that your license was issued from. Carry at all times and leave in car just in case law enforcement stops you. Each individual state varies on requirements, check with your DMV for information on your local laws.