SR-22 INSURANCE
DRIVE LEGALLY.
MOVE FORWARD.
If Tennessee requires you to file an SR-22, Benchmark Insurance can help you find qualifying auto coverage and understand the filing process.
WHAT SR-22 COVERAGE CAN HELP YOU DO
An SR-22 is not a separate type of insurance policy. It is proof filed by an insurance company showing that you carry the required motor vehicle liability coverage. In Tennessee, the insurer must file the SR-22 electronically with the Department of Safety and Homeland Security.
Having the required coverage may help you:
Provides proof that you maintain the liability coverage required for your situation.
Keeping the required SR-22 coverage in force can help you remain compliant with reinstatement requirements.
An SR-22 may be required as part of restoring driving privileges after certain suspensions or revocations.
If required SR-22 coverage is canceled before the requirement ends, Tennessee says your driving privileges may be suspended again.
Benchmark can help you compare available insurance options while meeting your filing requirement.
COVERAGE OPTIONS THAT FIT YOUR NEEDS
Your SR-22 filing is connected to an auto liability policy, but additional coverage may also be available depending on your vehicle, insurer, and situation.
Bodily Injury Liability
Helps cover qualifying injuries you are legally responsible for causing to others in an accident.
Property Damage Liability
Helps cover qualifying damage you cause to another person’s property.
Collision Coverage
May help repair or replace your vehicle after a covered collision.
Comprehensive Coverage
May help protect your vehicle against covered non-collision losses such as theft, vandalism, fire, or weather damage.
Uninsured Motorist Coverage
May help protect you if you are involved in a covered accident with a driver who has little or no insurance.
Additional Coverage Options
Ask about roadside assistance, rental reimbursement, medical payments, and other available coverage options.
HERE TO HELP YOU
STAY ON TRACK
An SR-22 requirement can add another layer to buying auto insurance. Benchmark Insurance can help make the process easier to understand and help you maintain the coverage required for your situation.
Here’s what you can expect when you choose us:
SR-22 requirements explained in plain language
Help finding an insurer that can make the required filing
Guidance based on your vehicle and coverage needs
Help reviewing limits, deductibles, and available options
Ongoing support when your insurance needs change
Frequently Asked Questions
What is an SR-22?
An SR-22 is a certificate filed by an insurance company showing that you carry required liability insurance. It is not itself an insurance policy. Tennessee requires the filing to be submitted electronically by an insurer licensed to provide motor vehicle liability insurance in the state.
Why would I need an SR-22?
Tennessee may require an SR-22 as part of the requirements associated with certain driver-license suspensions or revocations. Your individual reinstatement requirements will show whether an SR-22 is required.
How long do I need to maintain an SR-22?
Tennessee states that SR-22 insurance must be maintained for the length of the applicable suspension or revocation period. For example, a one-year revocation carries a one-year SR-22 requirement.
What happens if my SR-22 policy is canceled?
If required coverage is canceled or terminated before your requirement has been completed, Tennessee may suspend your driving privileges for failure to maintain future proof of financial responsibility.
How much does SR-22 insurance cost?
There is no single SR-22 insurance price. Your total cost depends on the underlying auto policy, your driving history, vehicle, coverage selections, insurer, and other underwriting factors.
Can I change insurance companies while I need an SR-22?
Generally, you can change insurers, but the required SR-22 filing must remain continuously in effect. Before changing policies, make sure the new carrier can complete the required Tennessee filing so you do not create a lapse.
Contact Benchmark
LET’S GET YOU BACK ON THE ROAD
Ask us about your SR-22 requirement, available auto coverage, or request a personalized quote.
