Utah SR-22 Insurance
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UPDATED: Apr 12, 2022
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What is Utah SR-22 insurance?
A Utah SR-22 car insurance form, sometimes called an SR-22 financial responsibility insurance form, is a form filed with the Financial Responsibility Department of the Utah Division of Motor Vehicles in cases where a driver needs to prove that they are responsible for carrying car insurance. The UT SR-22 insurance form shows that a driver is financially responsible for carrying at least the state-mandated minimum amount of liability car insurance coverage. The driver’s auto insurance policyholder is responsible for filing the SR-22 form with the state of Utah. A Utah SR-22 auto insurance form should prove that the driver carries at least the state minimum amount of liability coverage: $25,000 per person in an accident, $50,000 for more than one person injured in an accident, and $15,000 in property damage coverage.
Six major factors affect car insurance rates in Utah. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a UT DUI arrest.
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Who needs a Utah SR-22 car insurance form?
In Utah, SR-22 car insurance forms need to be filed by drivers who have faced a license suspension or are convicted of certain moving violations. In Utah, SR-22 auto insurance forms are required for high-risk drivers that are caught or get into an accident while driving without auto insurance. Drivers convicted of driving while under the influence of alcohol or other illegal substances are also required to file SR-22 insurance forms in Utah, as well as drivers who have multiple serious moving violations like reckless driving. Essentially, people who have driving privileges revoked or have a certain level of less-than-desirable driving record will need SR-22 coverage.
Are there different types of Utah SR-22 forms?
There are three main types of Utah SR-22 certificates: Operator’s Certificate, Owner’s Certificate, and the Owners-Operators Certificate. The Operator’s Certificate SR-22 form covers drivers who do not own a vehicle. The Owner’s Certificate SR-22 form in Utah proves the financial responsibility for vehicles that the driver actually owns, and the Operators-Owners Certificate covers all the vehicles that the driver drives, whether or not they own the vehicle.
How do I file a Utah SR-22 car insurance form?
The holder of the driver’s car insurance is responsible for filing an SR-22 insurance form with the Utah Division of Motor Vehicles. Drivers must request that it be filed because the state will not notify the insurance company and the company won’t do it automatically. To find Utah SR-22 insurance at a low cost, drivers should enter their information for free online insurance quotes.