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What is Minnesota SR22 Insurance?
An SR-22 is a special form that an insurance company must file with the Minnesota DMV that shows a driver has financial responsibility for any damage caused during the operation of a vehicle. Financial responsibility is met by carrying at least the state’s minimum required auto insurance.
Who Needs Minnesota SR22 Insurance?
Not all drivers are required to have a Minnesota SR-22 car insurance form on file; it only pertains to problem drivers. This would include drivers that have previously been in an accident and did not have the required insurance, had a judgment against them from a previous accident they never paid, had lapses in their insurance coverage previously reported, or have had their license suspended.
Are There Different Types of Minnesota SR22 Forms?
Yes, there are different types of Minnesota SR22 auto insurance forms. Motorists that are required to have one but do not have a vehicle must carry one an Operator’s Certificate that covers them if they are driving another person’s automobile. An Owner’s Certificate is required when they own a vehicle, and an Operator-Owner’s Certificate covers a motorist if they have multiple cars or are driving one they do not own.
Is SR22 Insurance Required in Minnesota?
The state of Minnesota has mandatory insurance requirements. Any registered auto must have liability coverage of at least $30,000 for injuries to one person, $60,000 for injuries to two or more persons, and $10,000 for property damage. When a driver has been found to not maintain these insurance requirements they will be required to have a Minnesota SR-22 auto insurance form filed on their behalf. Anyone that has had their license suspended will also need one.
How Do I File a Minnesota SR22 Insurance Form?
Filing an SR22 is not hard. Any state licensed insurance agency can fill out the form and submit it to the Department of Public Safety. Once the fee has been paid the form will be sent. You will receive a copy within thirty days. You can get a quote on what the fee for your Minnesota SR22 car insurance premium will be by entering your information.