Does every driver need to file a separate Sr 22 Certificate even if we share the same household/vehicle?
When it comes to obtaining automobile insurance, there are certain requirements that must be met. One of these requirements is having an SR-22 Certificate, which is necessary for drivers who have been convicted of a traffic violation or have had their driving privileges revoked or suspended. This Certificate verifies that an individual has the minimum required liability insurance coverage and is filed with a state’s Department of Motor Vehicles (DMV). But what happens when two people in the same household or vehicle need to obtain SR-22 Certificates? Does each person need to file a separate certificate?
The answer to this question depends on several factors, such as the type of policy you have and the state in which you reside. In most cases, if two people share the same vehicle and live in the same household, only one SR-22 Certificate will be required. The driver listed first on the policy will typically be responsible for filing the Certificate. Additionally, many insurance companies allow just one SR-22 Certificate per policy regardless of how many vehicles are being insured. If a second driver needs to obtain an SR-22 Certificate, they may need to purchase separate insurance coverage and then add themselves as an additional insured driver on the existing policy.
However, there are some exceptions to this rule, depending on your circumstances. For instance, if you have multiple vehicles with different owners listed on each policy, each owner may be required to file their own SR-22 Certificate. Additionally, if two people living in the same household require an SR-22 due to separate violations or suspensions from different states, they may also need to file separate certificates even if they share a vehicle. It’s important to note that some states may also require both drivers in a shared vehicle/household arrangement to obtain separate certificates, so it’s best to check with your licensed agent or local DMV for specific rules pertaining to your situation before attempting to purchase auto insurance coverage.
In general, though, when two people living in the same household and sharing the same vehicle, both require an SR-22 Certificate, only one Certificate should be necessary as long as both individuals are included on one insurance policy with combined coverage limits equal or greater than those required by law in their respective states of residence. However, it’s always smart to practice to double check with your insurer and/or local DMV first before committing any money towards purchasing auto coverage; that way, you can avoid any unexpected surprises or extra costs down the road due to incorrect paperwork filings or other potential issues related specifically to your individual situation.