Are you confused and frustrated with the requirement to provide an SR-22? We can help you crack the code of the SR-22. Losing your driving privileges can be overwhelming, and the confusing legal terms make everything more frustrating. An SR-22 is a form of insurance that the Department of Motor Vehicles (DMV) requires you to carry after your conviction. You must show proof of the insurance (SR-22) if you are stopped while driving a vehicle.
All but nine states require that a driver who has had his or her driver’s license suspended for an accident or traffic-related conviction provide a vehicle liability insurance document called an SR-22. The SR-22 is a Certificate of Financial Responsibility Form (CFR). The court will mandate a driver have and retain a valid SR-22 for those convicted of driving under the influence and for uninsured drivers who are in an accident. The following is a partial list of reasons you can be required to carry SR-22 insurance:
- Too many DMV points
- Driving your vehicle without insurance
- Reckless driving conviction
- The court labels you a habitual traffic offender
- To reinstate your license after it was revoked or suspended
If you need to drive for work, it is very important that you attain SR-22 insurance. Cheap insurance will have a higher deductible, so be sure to compare the services that are covered by each plan. If you are just seriously accident prone, then pay a little more each month to have a low deductible. You can still find cheap insurance even if you have a terrible driving history. High-risk drivers pay more in general for SR-22 than those with a first offense, and may have difficulty finding cheap insurance coverage.
Can I find cheap or non-owners insurance under SR-22?
SR-22 is not cheap insurance, but by shopping around you can find it for around $20 a month in many states. Each state has its own requirements for SR-22 insurance. Even if you do not own a car, you can be required to carry non-owner SR-22 insurance. Non-owners SR-22 insurance provides liability insurance but is only available if you do not have a registered vehicle. You cannot purchase non-owner SR-22 insurance if you own a car.
What if I move to another state?
If you move to another state you must continue to fulfill your obligations to the state you leave. You must also obtain SR-22 insurance that meets the minimum requirements of the state you left in your new state of residence. Look for a cheap insurance company that operates in both states.
Why should I comply with SR-22 requirements?
You are usually required to carry SR-22 insurance for three to five years. Failure to comply with the court’s mandate has serious consequences. Your license will be suspended and if you are caught, you can be found to be a habitual traffic offender, making it extremely difficult to attain cheap insurance. The insurance company will notify the Department of Motor Vehicles (DMV) if you do not make your payment, and your license will be suspended. Keeping your insurance current and valid is critical to fulfilling the court requirements of keeping SR-22 insurance for a specified length of time. Having proper insurance keeps everyone in your car and on the road safe from liability if there is an accident. Keep your license current and follow all traffic laws at all times to stay out of legal trouble. The cost of breaking the law is always more costly than paying a monthly cheap insurance bill.