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SR22 Insurance

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SR22 Insurance is a type of “high risk” auto insurance mandated by court or DMV action.  Typically, SR22 auto insurance is mandated due to a DUI offense, uninsured motor vehicle accident or other serious motor vehicle violation.  To be precise the actual insurance is not technically called “SR22 Insurance”, rather the form that you have to file with the state DMV is called an SR22 form.

What is An SR22 Form?

An SR22 form is a vehicle liability insurance document used by state Department of Motor Vehicles (DMV) offices. It provides proof that a driver has the minimum required liability insurance coverage for that particular state.  Generally, if required, the document must be filed before the state DMV will reinstate driving privileges/ drivers license.  So the SR22 is simply the form that needs to be filed to fulfill the requirement.

The SR22 form is actually a promise from the insurance company issuing the high risk auto insurance policy to you and the state DMV.  The SR22 form requires the insurance company to immediately notify the DMV if that policy is no longer in effect.  If the DMV received this notification they will immediately suspend your drivers license and driving privileges because of the requirement for you to provide proof of your active auto insurance.

How Much Does SR22 Insurance Cost?

That depends on a lot of factors.  As we have previously discussed, SR22 auto insurance is generally required after a drunk driving offense, a uninsured motor vehicle accident or other serious motor vehicle infraction.  So the fee that a high risk auto insurance company will quote you greatly depends on that particular offense, your previous driving record, your age, where you live and type of vehicle.  The best course of action is to get multiple SR22 auto insurance quotes and compare them to see which one not only offers the best price but also satisfies your coverage needs.

What Happens if I Let My SR22 Lapse?

SR22 insurance is state specific so if you should happen to let your sr22 insurance policy lapse after starting it the ramifications depend on the individual state.

Generally speaking, most states require you to carry SR22 insurance for a minimum of 3 consecutive years in order to fulfill the mandated requirement.

Should you let the policy lapse before the 3 year period most states will require you to reinstate the policy and carry it for another 3 years so that you have SR22 coverage for 3 consecutive years.  This is the biggest mistake most people make, letting the policy lapse which in effect makes them have to “start over” on carrying sr22 insurance.