SR22 Insurance...When Is It Required?
SR22 Insurance...When Is It Required?
An SR22 insurance filing is a requirement by the Department of Motor Vehicles of most states (except the states of Pennsylvania, Minnesota, Oklahoma, Kentucky, New Mexico, and Delaware) to get a suspended or revoked driver's license reinstated after the suspension or revocation has ended.All states require drivers to carry mandatory liability coverage, but an SR22 is beyond that as it is looked upon as being punishment or a fine for high-risk driving behavior, and the steep premiums for this coverage reflect this fact.An individual's driving privileges may have been suspended or revoked due to a number of reasons such as: an accumulation of points accessed for moving violations--speeding, failure to stop at stop signs, driving without insurance, driving without a valid driver's license, failure to appear--unpaid traffic ticket (in which case there's a bench warrant out on you), running a red light, DWI or DUI, refusing to take an alcohol or drug test,and the non-moving violation of failure to pay child support.To purchase this type of coverage you contact your insurance agent or an insurance company, and they make the necessary filing certificate directly to the Department of Motor Vehicles. This filing by an insurance company states that the company has issued liability coverage for the individual, and that the insurance company will notify the proper authorities if the policy is canceled, terminated, or lapses.If your suspension or revocation period has not terminated, but you need to operate a motor vehicle in connection with your business, occupation, or employment, most states have provisions where you can apply to the Department of Motor Vehicles for a Hardship or Limited Driving Privilege,LDP. You must submit a copy of your SR22 certificate when you apply.You may get Limited Driving Privileges unless you have certain violations or losses of driving privilege on your driving record. Some violations are so serious that a LDP may not be granted--conviction or losses such as: conviction for leaving the scene of a motor vehicle accident, or two or more revocations for refusal to take a Breathalyzer or blood test, using a motor vehicle in the commission of a felony.Your application will be reviewed, usually within 5 to 7 days, and an order granting or denying your Limited Driving Privileges or Hardship Driving Privileges will be mailed to you.Be advised that the granting of LDP cannot be used for shopping, post office errands, recreational activities, picking up grandma or grandpa from the doctor, trips to the grocery store or pharmacy, picking up kids from school or babysitter's, or other trips. While your license is under suspension or revocation, the authorities don't want you behind the wheel of a car except for the limited purpose of going to work and from work.You must maintain file and maintain proof of liability insurance SR22 for two years from the date of your suspension or revocation. The above are the basics or generalities. Each jurisdiction is different, for the specifics check your state's motor vehicle laws.
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