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Having to obtain SR-22 insurance is no badge of honor. If you’re instructed to get this by the Court, you’re considered to be a high risk driver. The DMV filing is part of a time consuming and expensive process that's, often, the result of being convicted for driving while under the influence (DUI), but that’s not the only reason. An SR-22 would be needed under these circumstances:
1. DUI, wet reckless, reckless driving, serious moving violations.
2. At-fault accidents while driving without insurance.
3. Repeat traffic offenses or getting too many tickets in a short period of time.
4. Suspended or revoked license.
If you've been convicted for DUI, check with your State's Motor Vehicle Department for rules that pertain to you. When someone gets a DUI, he typically loses his driver’s license. If you're eligible, you can obtain a restricted license later. Often this is due to financial hardship considerations if you're unable to drive to work. The DMV will know if you're eligible for that. In order to get a restricted license, generally, you'll have to do three things:
1. Enroll in an approved DUI program and provide proof of this to the Court.
2. Show proof of financial responsibility (SR-22)
3. Pay the DMV to reissue your license.
Check with your insurance company to see if they'll issue an SR-22 for you. Some companies won't help you with this and will drop you. Some companies will provide an SR-22 but then non-renew your policy on the expiration date. At this point, you'll have to look elsewhere; try a broker who deals with many different companies.
What's an SR-22 filing?
An SR-22 is an endorsement, or addendum, to an auto policy. It updates the language of the policy contract and often broadens the scope of coverage. When you make an SR-22 filing, your insurance company provides proof to the DMV that you've met the State's financial responsibility requirements (insurance). This will allow you to drive with a restricted license. SR-22 filings vary in price. Rates depend partially on some of the same criteria used to quote regular auto insurance such as type of car, age, driving history etc. As long as your policy remains active, you'll continue to have your license until the required time is served. Once this is done, the State will dismiss the restrictions on your license.
How long do I need an SR-22?
Generally, the SR-22 insurance policy must remain active for at least three years. The insurance company is required to notify the DMV, immediately, if the SR-22 policy lapses or is cancelled. This could mean revocation of your driver’s license and a total loss of driving privileges.
By: Cameron Jones
1. DUI, wet reckless, reckless driving, serious moving violations.
2. At-fault accidents while driving without insurance.
3. Repeat traffic offenses or getting too many tickets in a short period of time.
4. Suspended or revoked license.
If you've been convicted for DUI, check with your State's Motor Vehicle Department for rules that pertain to you. When someone gets a DUI, he typically loses his driver’s license. If you're eligible, you can obtain a restricted license later. Often this is due to financial hardship considerations if you're unable to drive to work. The DMV will know if you're eligible for that. In order to get a restricted license, generally, you'll have to do three things:
1. Enroll in an approved DUI program and provide proof of this to the Court.
2. Show proof of financial responsibility (SR-22)
3. Pay the DMV to reissue your license.
Check with your insurance company to see if they'll issue an SR-22 for you. Some companies won't help you with this and will drop you. Some companies will provide an SR-22 but then non-renew your policy on the expiration date. At this point, you'll have to look elsewhere; try a broker who deals with many different companies.
What's an SR-22 filing?
An SR-22 is an endorsement, or addendum, to an auto policy. It updates the language of the policy contract and often broadens the scope of coverage. When you make an SR-22 filing, your insurance company provides proof to the DMV that you've met the State's financial responsibility requirements (insurance). This will allow you to drive with a restricted license. SR-22 filings vary in price. Rates depend partially on some of the same criteria used to quote regular auto insurance such as type of car, age, driving history etc. As long as your policy remains active, you'll continue to have your license until the required time is served. Once this is done, the State will dismiss the restrictions on your license.
How long do I need an SR-22?
Generally, the SR-22 insurance policy must remain active for at least three years. The insurance company is required to notify the DMV, immediately, if the SR-22 policy lapses or is cancelled. This could mean revocation of your driver’s license and a total loss of driving privileges.
By: Cameron Jones