FAQ

Will any insurance company file an SR-22?

Direct answer

No. Filing certificates is a service a carrier chooses to offer, and plenty of standard companies do not. A policy from a carrier that does not make filings cannot satisfy the requirement even though it is real insurance.

More detail

This is one of the more expensive surprises in the process, because it usually surfaces after the driver has already paid a premium. The sequence goes like this: a driver buys a cheap policy online, calls to ask for the filing, and learns the carrier does not do them. The policy is valid, the money is spent, and the proof period has not started. The fix is to ask the question before binding, not after. Carriers that specialize in nonstandard auto almost universally handle filings, because that is the market they serve. Independent brokers who work that segment know which of their carriers do, which is a large part of the value of using one rather than shopping carrier websites one at a time.

Authoritative sources

  • Nebraska Department of Motor Vehicles

    The Nebraska DMV administers driver licensing, revocation, reinstatement conditions, and the proof of financial responsibility requirement, and publishes the current fee schedule.

  • Nebraska Revised Statutes 60-534

    Nebraska sets minimum motor vehicle liability coverage limits by statute, and a policy carrying a certificate must meet or exceed them.

  • Nebraska Revised Statutes, chapter 60

    The Motor Vehicle Safety Responsibility Act is the framework under which Nebraska requires proof of financial responsibility from a driver following certain violations or an uninsured accident.

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What the Nebraska DMV actually requires, which policy form your situation calls for, and how the reinstatement sequence runs. Mon-Sat 8am-7pm CT.

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