If you've been cited and been found guilty for no proof of liability insurance or
if found guilty of DUI/DWI, you will typically be required to provide proof of insurance
to the state in order to avoid suspension of or to re-instate your driving privileges. Even
if you purchase auto insurance, if an SR-22 is not filed, you will not have your
driving privileges re-instated and/or your license will be suspended.
- Can I afford insurance, if I have an SR-22 requirement?
Yes! Anyone can make a mistake and there are a few companies that specialize in
helping individuals get back on the right track by making insurance affordable--even
with a DUI/DWI conviction. We proudly offer insurance through these specialty insurance
carriers to help people get their lives back in order. In some instances, if you
no longer own a vehicle or own several vehicles, but only need liability protection,
we can make insurance even more affordable with a Broad Form Named Driver policy. A
Broad Form policy provides the same liability coverages as a traditional auto insurance
policy and allows you to comply with the SR-22 Financial Responsibility Filing requirement,
but, typically, at a much lower rate because you insure yourself as a driver.
- What happens if my policy cancels during the SR-22 requirement period?
Quite simply, your driving privileges will be suspended. While an SR-22 form is
filed to inform the DMV or Transportation Department that you are insured, an SR-26
form will be filed to alert the state of an interruption, lapse, or cancellation
of your policy.
Technically, there is no such thing as “SR-22 insurance”. The SR-22 (Financial Responsibility
Form) is a standardized form required to be filed with the DMV or Transportation
Department by insurance companies or insurance agents on behalf of an insured. This
form serves 2 purposes: one, it notifies the state that you’re insured with an insurance
policy that meets the state’s requirement for minimum liability insurance; two, it
allows you to keep or re-instate your driving privileges. A policy with an SR-22
endorsement requires some extra paperwork, but your endorsed policy works the same
and with the same protections.
