Louisiana SR22 Insurance
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UPDATED: Nov 2, 2020
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What is Louisiana SR22 Insurance?
A Louisiana SR22 car insurance certificate, or a financial responsibility insurance form, is a document that serves as proof that a driver is financially responsible for carrying the minimum car insurance required by the state.
Six major factors affect car insurance rates in Louisiana. Which auto insurance factors will affect SR22 rates the most? Typically that’s a LA DUI.
Who Needs SR22 Insurance in Louisiana?
In Louisiana, motorists who were involved in accident, were uninsured at the time, and failed to pay compensatory damages; drivers with unsatisfied judgments; or drivers whose licenses were revoked for other reasons must all carry Louisiana SR-22 insurance.
Are There Different Types of Louisiana SR22 Insurance Forms?
Yes, there three types of Louisiana SR22 auto insurance: Operator, Owner and Operator-Owner. Operator’s SR22 insurance covers drivers who operate but do not own a vehicle. Owner’s SR22 insurance covers drivers who own and operate a vehicle. Operator’s-Owner’s SR22 insurance covers all vehicles owned or not owned by a driver.
Is SR22 Insurance Required in Louisiana?
Motorists in the state of Louisiana must carry liability insurance or file a SR22 form with the Louisiana Department of Public Safety. If you are stopped by a police officer during a traffic stop or accident and you don’t have insurance, you will end up paying a $500 fine and face suspension of your driver’s license and registration. Then you will have to pay a fee to have your license and registration reinstated.
How Do I File a Louisiana SR22 Insurance Form?
Your insurance company files your request for an SR22 with the Louisiana Department of Public Safety. You will be required to pay a processing fee, which varies among agencies. You can go (here) to request a quote from insurance agencies in your area. Once your Louisiana SR-22 insurance form is accepted, your insurer will send you the SR22 along with a letter from the Department of Public Safety. Louisiana SR22 auto insurance must be maintained for three years. Your insurer will notify the State if you fail to renew your Louisiana SR-22 insurance at least 15 days before the expiration date. The State may suspend your driving record until your Louisiana SR22 car insurance is reinstated.