Need an SR-22 but unsure what to do? We're here to help. Insurance Plus Agencies, LLC offers to handle SR-22 filings for our customers, so if the court has ordered you to carry an SR-22, we can file it for you. Just a quick call to 1-866-466-1699 and we'll get you started.
What Is It?
Simply stated, an SR-22 is a document that shows proof of financial responsibility. You'll need an SR-22 if the police caught you driving without insurance, and you'll be required to carry the SR-22 for a specified amount of time (usually three years). Once you properly fulfill that time period, your SR-22 status expires.
SR-22s also are associated with the following:
- DUI or DWI or any serious moving violation
- At-fault accidents while driving without insurance
- Repeat traffic offenses or getting too many tickets in a short time period
- License suspension or revoked license
How Long Do I Need an SR-22?
Expect a long relationship with your SR-22 — most likely three years — similar to a probationary period after a criminal offense. You must carry continuous insurance during the specified period of time before SR-22 status is removed. If your policy lapses or is canceled, your auto insurance company is required to notify the state immediately and your license will be suspended again.
Your lnsurance Company should cancel or terminate an SR-22 by filing a separate form with the state (an SR-26 in many states), generally 10 days before the SR-22's expiration.
Details and Specifics
Your lnsurance Company files the actual SR-22 form with your state's Department of Motor Vehicles (DMV) to show proof of insurance for you. Once they file your SR-22, your license suspension will be lifted and you can drive again legally.
SR-22s are state specific — what's required in one state may not apply in another state.
Also of interest:
In some states, you must pay a fee to file SR-22s.
The overall message:
Though the SR-22 concept is similar from state to state, you always should check with your state government, insurance company or agent to verify SR-22 specifics for your state.