Response : SR22 form is mostly a requirement of “high risk drivers”. Depending on the category and extent of risk involved, high risk auto insurance policies can be of the following types:

• SR22 insurance: This insurance policy is required by high risk drivers to reinstate a suspended or revoked license. SR22 insurance is a guarantee by the insurance company to the government that the driver has effective financial cover to overcome liabilities.
• Assigned Risk Insurance: This is given by the state, if no other insurance company is entertaining one’s insurance application, then states have provision to offer assigned risk insurance to the driver.
• Bad credit car insurance: Many insurance companies refuse to offer insurance to individuals with bad credit ratings and higher claim statistics. An individual insured under bad credit car insurance is required to improve the credit rating within a specified period of time.
• DUI auto insurance: DUI refers to driving under the influence. Most companies will cancel auto insurance if an individual is booked for this offense. However, one can buy high risk auto insurance with DUI. The cost of such a policy may go beyond 200 or 300 percent of normal auto insurance.
So, it is always beneficial to follow the traffic laws and avoid buying high risk auto insurance. Sr22 car insurance is very expensive and so one should try to refrain from DUI convictions.