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An SR22 is not insurance, but a form to provide the proof that a driver is currently covered by a state minimum liability insurance policy. SR22 insurance filings are not needed by all drivers. The state requires an SR22 filing for drivers who have been convicted of certain traffic offenses such as a DUI, DWI, driving on a suspended license, driving without insurance or are in an at fault accident without insurance.
If you are notified you need to file an SR22 insurance certificate, check with your insurance company to see if they can file an SR22 form on your current policy. It is advisable to shop around for SR22 auto insurance quotes from other providers as well. Obviously if you do not have car insurance you will need to shop for a policy with an SR22 filing attached.
Once you are approved by your state department of motor vehicles to start the process of reinstating your driving privileges and you have properly filed an SR22 form and paid your state reinstatement fees, your driver license suspension will be lifted and your driver license reinstated. The process usually takes about 10 days, until you actually receive the notice of reinstatement also known as a clearance letter in the mail from your state department of motor vehicle office; the driver license suspension is still in force. Failure to pay you car insurance premium, will result in your policy being canceled and another form called an SR26 being issued and sent to the department of motor vehicles notifying them the policy has lapsed or canceled and will result in a new suspension being placed on your driver license again and you will need to start the process all over, including paying the fees again.
SR22 auto insurance will cost more; the cost is based on why you need the filing. A major offense like a DUI, DWI or driving on a suspended license will affect your car insurance premium more adversely than a no insurance ticket will. The SR22 form filing fee should be about twenty five or thirty dollars. The reinstatement fee from the state varies by state.
Solid advice when buying any car insurance policy is to get car insurance quotes from multiple car insurance companies. The internet is an excellent way to search for SR22 auto insurance quotes. There are many websites that can help you find car insurance companies that specialize in SR22 filings and high risk car insurance coverage. Getting quotes online can save valuable time and effort when you get your driver license reinstated.
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