What Is SR22 Insurance In Iowa
Reader’s Question:
I am a good driver and has never been involved in any traffic violations or accidents. I heard from my brother that he needs to get SR22 insurance. I don’t quite understand what that is. All I know is that he was involved in a car accident. Can you tell me, what is SR22 insurance in Iowa?
Lila
Des Moines, IA
I hope your brother is feeling well. Since you said it yourself that your brother was involved in a car accident, that’s the reason why he needs to get SR22 insurance.
Now the question is, what is SR22 insurance in Iowa?
The state of Iowa does not have what you call a compulsory financial responsibility law. You will only be required to show financial responsibility for two reasons:
- You were involved in a car accident either as the owner of the vehicle or the driver
- Your license has been revoked or suspended
Unlike other states, the Iowa has what you call the Financial & Safety Responsibility Act and this provides protection in a manner like:
- It will suspend the driving privileges of a driver or the owner of the vehicle if he or she was not able to provide immediate financial responsibility after an accident
- Requiring a person to prove financial responsibility if his or her license is suspended or revoked, violated the Operating While Impaired (OWI) law, or has received unsatisfied judgment
One way of filing for proof or financial responsibility is through SR22 insurance. SR22 insurance is an insurance document that proves your brother has car insurance coverage. This will be filed by your brother’s car insurance company to the Iowa Office of Driver Services.
For more information on what is SR22 insurance in Iowa, you can ask your car insurance agent.
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