When an insurance carrier ask for an SR-22 to be filed, what information regarding on why is it in Hendersonville, TN? Is this a way the insurance carrier finds out that you might be a high risk driver?

John

Hendersonville, TN

The SR-22 certificate in Tennessee is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114.An insurance carrier needs the information as to why the SR-22 policy is needed so they can inform the state of your compliance.

Tennessee Insurance carriers are aware of Tennessee Code and the reasons listed there by the state of why an SR-22 may be required by a person. Therefore insurance providers do not ask why to know if you are a high risk driver or not.

Insurance carriers in Hendersonville will determine if you are a high risk driver by your driving history and several other factors. For example if you are required to carry a SR-22 because of a DUI, the insurance carrier will find out about the DUI violation from your driving record anyway so answering the reason why you need the SR-22 is not giving them information they could not find out on their own.