Louisiana SR-22 Insurance
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UPDATED: Nov 2, 2020
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What is Louisiana SR-22 Insurance?
A Louisiana SR-22 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 SR-22 rates the most? Typically that’s a LA DUI.
Who Needs SR-22 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 SR-22 Insurance Forms?
Yes, there three types of Louisiana SR-22 auto insurance: Operator, Owner and Operator-Owner. Operator’s SR-22 insurance covers drivers who operate but do not own a vehicle. Owner’s SR-22 insurance covers drivers who own and operate a vehicle. Operator’s-Owner’s SR-22 insurance covers all vehicles owned or not owned by a driver.
Is SR-22 Insurance Required in Louisiana?
Motorists in the state of Louisiana must carry liability insurance or file a SR-22 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 SR-22 Insurance Form?
Your insurance company files your request for an SR-22 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 SR-22 along with a letter from the Department of Public Safety. Louisiana SR-22 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 SR-22 car insurance is reinstated.