SR-22 Requirements in Indiana: What You Need to Know
What an SR-22 Actually Is
An SR-22 isn't a type of insurance policy — it's a certificate your insurance company files directly with the state confirming you carry the required liability coverage. The determining authority for SR-22 requirements is the state, not your insurance provider.
Common Reasons an SR-22 Is Required
An SR-22 becomes necessary following a DUI/OWI conviction, operating without insurance, an at-fault accident while uninsured, reckless driving convictions, accumulating multiple violations, or when reinstating a suspended license.
What Happens If Coverage Lapses
Because your insurer is required to notify the state if your policy lapses, letting coverage drop while an SR-22 is on file can extend the exact suspension you're trying to resolve. Maintaining current payment status carries heightened importance during this period. See our post on what happens if your SR-22 lapses for more detail.
