Home » What to do if you get an SR-22?
December 16, 2020

What to do if you get an SR-22?

Person in driver seat of car hands drivers license through open window to a police officer

All drivers are required to carry auto insurance, and they must follow the rules of the road when they get behind the wheel. If you break the law, therefore, then you will likely face penalties, and one of these might be a requirement to get an SR-22 certificate.

States are able to verify whether registered drivers have insurance, and when they come across a driver who doesn’t, they will impose the SR-22 penalty. SR-22s are forms that a driver must attach to their auto policy and simultaneously file with their state’s DMV. They serve as double verification that previously uninsured or high-risk drivers have coverage. And, if those drivers ever let their policy lapse in the future, the state will immediately be notified of their transgression.

If you face an SR-22 penalty, you must obtain this certificate immediately. In many cases, your driving privileges will be temporarily revoked, and you must file the form before you can return to the road. However, with the help of your insurer, you can make this process quick and easy.

Here are a few things to do if you face an SR-22 penalty:

1. Understand Why You Have this Requirement

When your state requires you to get an SR-22, it usually is because you committed a severe driving infraction, such as:

  • Driving without insurance
  • Receiving multiple tickets
  • Getting a DUI charge
  • Causing an at-fault accident

Not all penalties will lead to this requirement. However, after you have the SR-22, you have an obligation to refrain from reoffending in the future.

2. Contact Your Insurer to File for the Certificate

Once you know you have an SR-22 requirement, it is your responsibility to file the certificate. This will mean contacting your insurance agent to ask them to begin the process.

In many cases, filing an SR-22 will only cost a nominal fee. However, the challenge might arise because your current auto insurer might no longer be able to cover you given the added risk you pose by being an SR-22 recipient. As a result, you might have to purchase an entirely new policy at this time.

3. Commit to Being a Safer Driver

SR-22s are usually not permanent, but will likely remain attached to your auto policy for two to three years. However, if you commit other driving offenses, or let your insurance lapse during this time, then the SR-22 might start over, and more serious penalties could result.

Therefore, make a priority out of becoming a safer driver one you have the SR-22 on file. The more attentive you are to your driving habits, the lower your risk of accidents and other problems which could wind up costing you a lot of money and time.

Also Read: When Do You Need SR-22 Insurance?

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