Matthiesen, Wickert & Lehrer, S.C. (MWL) reviews and advises insurance carriers on coverage issues and subrogation needs for policies which insure high-risk drivers and contain an SR-22 or equivalent state certificate. High-risk drivers are required to file SR-22 certificates depending on where they live. SR-22 certificates are not insurance. They are endorsements that guarantee the minimum required amount of liability insurance in a particular state. They are required when a driver has his or her license revoked, is convicted of drunk driving, gets into a serious accident, or receives a judgment against him or her. The SR-22 does not create coverage. It certifies that the driver has the state’s minimum amount of automobile insurance coverage. If an insured is involved in an accident for which there would be no coverage without the SR-22 certificate (driver is not listed on the policy, the vehicle not listed on the policy, the driver provided false information to the carrier, or the accident occurred while the driver was under the influence, fleeing the police, or breaking the law), the insurer has the ability to recover those claim payments directly from the insured.
MWL aggressively pursues recovery of claim payments made under SR-22 or similar certificates/endorsements in every state where they are provided for (Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania). We also pursue recover under SR-19 (California and Texas), SR-22A (Georgia, Texas, and Missouri), FR-44 (Florida and Virginia, where they require the insurer to provide double the state’s minimum liability limits), and SR-50 (Indiana) certificates. We also assist in a case-by-case analysis on whether post judgment action such as collection on the judgment or driver license suspension would be worthwhile and/or feasible. All we need is a copy of the policy and a copy of the SR-22 certificate, along with a reason why coverage
