SR 22 Auto Insurance
An SR 22 document or filing is a document that is issued by an auto insurance company that confirms the driver in question has complied with their state of residence's financial responsibility laws. This document can come in the form of a physical document or an electronic certification. Your state of residence will be able to inform you if you are required to have this lien attached to your driving privileges. An SR 22 is generally required for motorists who are considered to be high risk by their state's Department of Motor Vehicles or Public Safety. This designation is usually made after one has been involved in an accident without insurance, multiple driving infractions, or following the conviction of driving under the influence of alcohol or drugs. Automobile insurance with SR 22 documentation attached is more expensive than general car insurance coverage. However, it is required by law for you to enjoy your driving privileges. Your insurance agent will be able to advise you on how to obtain the required documentation and to locate an affordable insurance policy.
The length of time that you are required to have an SR 22 document on file will be dependent upon the time length designated by your state of residence. This time period is generally based upon the severity of your offense, but most states require documentation of an SR 22 for a minimum of three years. If you terminate your insurance policy with a company or if your policy is canceled due to nonpayment of your premiums, the insurance company will be required by law to send an SR 26 form to the state. The SR 26 informs the state that you are not following the obligations set forth by the DMV, and your driving privileges will most likely be revoked again. If you are caught on a second or third offense of driving without insurance, you will most likely face the possibility of jail time. If you are involved in an automobile accident and do not have car insurance, you could potentially face years of costly lawsuits and courtroom litigation.
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