Understanding SR-22 Insurance in Connecticut: A Comprehensive Guide

In Connecticut, if you’ve been convicted of a major driving offense, you’ll need your insurance carrier to file an SR-22 form on your behalf. This “proof of insurance” guarantees that you meet the state’s mandated minimum auto insurance requirements. Although Connecticut doesn’t specifically require SR-22 insurance, it does have an alternative form called the SR-37 (Insurance Compliance Consent agreement) for drivers who let their insurance lapse.

1. What is an SR-22 in Connecticut?

• An SR-22 form or certificate is required to reinstate your driver’s license after it has been suspended for a major traffic violation.

• Filed by your insurer, the SR-22 offers a “proof of insurance” to the state, attesting that you carry the state’s minimum liability requirements.

2. Connecticut’s Minimum Liability Coverage

The state’s mandated minimum insurance requirements are as follows:

• Bodily Injury Liability:

  • $25,000 per individual per accident

  • $50,000 for more than one individual in an accident

• Property Damage Liability:

  • $25,000 for one accident

Connecticut also requires drivers filing for an SR-22 to have the following coverage:

• Uninsured Motorist Coverage:

  • $25,000 bodily injury per individual

  • $50,000 bodily injury per accident

3. Duration and Renewal

• SR-22 certificates are required for one year from the date of conviction.

• If you fail to renew an insurance policy with SR-22 coverage on time, your insurer will report you to the state. This means your registration and license may be suspended, the SR-22 time limit will be reset, and you’ll have to pay all SR-22 fees again.

4. Who Needs SR-22 in Connecticut?

If your license was revoked or suspended for any of the following reasons, you’ll need an SR-22 form:

• Driving while uninsured

• DUI or DWI conviction

• Hit-and-run

• Reckless driving

• Distracted driving

• Repeated driving violations

• At-fault collision leading to death or injury

5. How to File an SR-37 in Connecticut

• When your coverage has lapsed for more than 14 days, Connecticut will send you a suspension notice.

• You’ll face fines to reinstate your registration, and you’ll need to prove you’re insured.

• Try to get covered as soon as possible to avoid further penalties.

Remember, responsible driving and compliance with state regulations are essential for a smooth journey on Connecticut’s roads.

Sources:

1. Policygenius: Cheapest SR-22 Insurance in Connecticut

2. DMV.com: Guide To SR22 Rates In Connecticut

3. Clearsurance: Connecticut SR-22 Insurance