If your Drivers License Has Already been Suspended due to a "
No Insurance" Ticket, You may need an SR22 insurance filing. You may Need it to prevent a
Drivers License Suspension or to get your license reinstated.
Sr22 Insurance is just
"Auto Insurance"!, Coverage, Where the Insured requires
proof of Financial Responsibility compliance in the form of a certificate be issued
by the company and a certificate is required, This is usually due to a requesting Licensing Authority. Most
Filing requirements are the result of a Traffic Ticket for driving without the minimum required
or may also be needed in other circumstances after a DUI or DWI citation,
a suspended license and certain accidents and other
traffic or drug related incidents.
The most common required term for
SR22 Insurance is 3 years.
This may vary depending on your situation so you should check with your licensing authority for your term.
Remember, Only your Insurer can produce the sr22 insurance form for you.
Penalty for Failure to Maintain SR 22 Certificate
Failure to maintain certificate until your requirement period has expired
can result in certain fines and your drivers license and vehicle tags and registrations
could be suspended again.
North Carolina, Delaware,
Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require
If you carry
an SR 22 in one state but move to
another, you still must complete the SR-22 filing period for your
previous place of residence, even after you have moved away. Your new
insurance policy must have liability limits which meet the legal minimum
requirements of your former jurisdiction. You will also need to have
your new insurance company file the SR22 insurance certificate to the
original state which is requiring it of you.
after a DUI or DWI can be high. Many insurance carriers drop or assign these
customers to a 'high risk' program and raise their rates dramatically.
Rate Increases can be as much as 500%. So it is important to shop around
for a good low rate and find out what other companies, standard and non standard carriers will charge you.
SR22 Insurance? The
insured has requested and the Insurer has agreed and filed the form on
the insured's behalf. It is generally required after a traffic citation
for Driving without the appropriate Financial Responsibility or auto
insurance policy as required by law. The law requires that should your
insurance policy Expire, Cancel or Non-Renew for any reason, the insurer
must file a cancelation with the State. Should your filing period not yet be expired,
Your driving privilege will
likely be suspend for failure to comply with the requirement.
The purpose of
the filing is to prove that you are now in compliance with your Financial Responsibility Requirements. A filing is generally
needed after a driver has already been cited for driving without the minimum liability coverage. The filing will also allow your
drivers license to be reinstated after a suspension or will often prevent the suspension from occurring if filed within 30 days of an being ordered by your state.
If your SR22 Insurance Policy cancels,
lapses or expires for any reason, The Insurer is required by law to send an SR26
with the DMV notifying them that the associated SR22 insurance policy has lapsed. After an SR26 filing, the state can then Suspend your drivers license
again if still required, you would likely then have to find another or the same insurer to have your
driving permission re-instated by filing the sr22 insurance certificate
for you again.
Traffic Attorney can often be of help and can guide you through the
court process for certain types of offences. Your counsel may advise you
obtain the necessary SR22 Insurance filings before your scheduled court date.
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