Writer and editor, ClearRoad Guide. I write every page on this site — 65 guides, 29 of them state-by-state.
Who I am
I'm a web developer based in Spain. I built ClearRoad Guide because SR-22 information online is genuinely bad: the states publish the real rules in scattered PDFs and unlinkable subpages, and most of the sites that rank for these searches paraphrase each other instead of the agency. Reading primary documents carefully and writing down what they actually say is a skill that transfers, and it's the one I'm applying here.
What I am not
I want this stated plainly, at the top, because it changes how you should use the site:
- I am not an insurance agent or broker, and I hold no producer license in any state.
- I am not a lawyer, and nothing here is legal advice.
- I have no professional background in insurance — no industry certification, no years behind a claims desk.
- I have never quoted or sold a policy, and I don't have access to anyone's rating systems.
So I can't tell you what your premium will be, whether your filing period has started, or what your court order requires. Anyone claiming to know those things from a web page doesn't.
Why this can still be useful to you
The questions that bring most people here aren't advisory questions. They're documentary ones: Does my state even use an SR-22? How long am I stuck with it? Does the clock start at conviction or at reinstatement? What's the minimum coverage? What does this cost other people, roughly, before I start calling around?
Those answers exist in public documents. My job is to find the page that holds each one, link you to it, and put the answer in a sentence you can read in ten seconds — so that when you do call an agent or the DMV, you already know what to ask and can tell whether the reply makes sense. Where I have no document, I say so instead of filling the gap.
How I actually work
- For every state guide, I start at the agency that sets the rule — the DMV, BMV, DPS, Secretary of State, or state insurance department — and read the requirement and the filing period there.
- On the state guides I link to the specific page that carries the requirement, and note the date I read it. The standard I hold myself to is that if a claim isn't worth a deep link, it isn't worth publishing. Sixty of the sixty-one articles meet it. The one that does not is the guide to SR-22 after too many points, and it says so on the page, with the reason.
- For prices, I publish almost nothing, and that is deliberate rather than an oversight. No insurer publishes a rate for an individual record, and the averages that circulate on comparison sites are built for a constructed driver profile and carry no date you could check them against. Where a figure appears at all it is a statutory amount or a fee the agency itself publishes. What is mine, and says so on each page, is the assembly. An agency publishes a fee on one page, a filing period on another and a form somewhere else, and almost never puts them in one table. Where a guide draws a conclusion from putting them together, it says the conclusion is mine rather than the agency's and shows the rows it came from, so you can disagree with it.
- When sources conflict, I show both. Averaging two numbers into a third that nobody measured is how bad information gets laundered into confident information.
- I don't invent ratings, rankings, or satisfaction scores, and I don't cite forum threads as authority on the law or on pricing.
- I use AI tools to help me draft and edit. I don't use them to establish facts, and I check requirements and figures against their sources myself. That check has failed at least once and I am not going to claim otherwise: until 19 August 2026 this site carried a review recommending an insurer that had stopped selling policies, and the source I had cited for a secondary detail said so in its own opening line. The review is corrected and dated. A process that has failed once can fail again, which is why the citations matter more than my say-so.
Where I get things wrong
Two failure modes are real on a site like this. States revise their pages quietly, so a correctly sourced guide can drift out of date without anything visibly breaking. And a deep link into a statute or a form rots faster than a homepage would, which is the price of citing the page that actually says the thing. If you hit either — or anything simply mistaken — send it to me through the contact page. I correct the page, update the citation and the date, and record what changed in the corrections log, which is public and is not pruned. If a figure can't be traced back to a named source, I remove it rather than leave it standing.
What I don't do
I don't sell insurance, take referral payments for sending you to an insurer, collect your details for anyone, or accept payment for including or praising a company. The site is funded by display advertising, described in the Advertiser Disclosure. The standards I hold myself to are written out in the Editorial Policy — including how to tell when I've failed to meet them.