subject: Sr22 Insurance Requirements: Why It Is Needed? [print this page] The SR 22 is a liability agreement between a motorist and the secretary of state of the driver. It is a very sensitive document, because the motorist who usually applies for such a document is more or less doing something wrong. This is the reason why it is such a sensitive issue. Most people think that the SR 22 is some kind of insurance you can go to your insurance company office and get from. Being far from that, the SR 22 is only a document that authorized insurance companies can give. Following is an explanation of the SR22 insurance requirements.
Getting an SR 22 document is not simple, but is easy, provided one follows the correct steps. The reason why a person may get into a situation involving him wanting to get an SR 22 certificate is because the person has done something wrong according to the DMV.
There are three kinds of certification that are given by the DMV under the SR 22 rules: Owner certificate, Operator certificate and Owner-Operator certificate.
The process to get through to an SR 22 certification is quite simple. The applicant has to first look out for an insurance agency that is authorized by the DMV to give out these certifications. Then he has to apply through them and pay the fees.
Once the fees is paid, he would be getting a certificate based on his situation as described above between the owner, operator or both.
Then the motorist can get a certificate directly from the secretary of state. Then it is up to the agent to complete the formalities between the motorist and the DMV office. This is how the transaction slowly becomes complete and the motorist gets his certification. This process could take up to 30 days.
The important thing to bear in mind is that the insurance has to be kept intact for 36 months. If it is lost, canceled or expired, it has to be notified to the financial department of the DMV. This would ensure that the liability is still resting with the motorist.
The best thing to do would be to not get into a situation where an SR 22 certificate is needed. The rules of the road are for everybody's safety and comfort and hence, it is necessary to follow them properly. General situations like driving under influence, car accidents, etc. Should be avoided. Car insurance should especially be made sure to be active, in order to avoid getting any tickets or losing the license. The SR22 insurance requirements are easy to understand, but it still helps not to get into that situation.
by: Carl Rango
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