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If you have too many traffic violations, you could end up earning points on your license that could result in a license suspension or revocation. Different states have different procedures for reinstating a revoked or suspended license.
Before the DMV can reinstate a driving license, you may be required to present an SR22 certificate indicating that you have met your state’s minimum coverage requirements.
If you are in the process of having your driver’s license reinstated, you may want to read on to get a deep insight into SR22 insurance.
Understanding SR22 Insurance
Technically, SR22 is not a form of insurance; it is only loosely referred to as insurance because of its close association with insurance for drivers needing to have their licenses reinstated. SR22 is a special policy endorsement form indicating that drivers have met their state’s minimum requirements for specific insurance coverage.
SR22 certification is issued to the driver by their insurer as a requirement for driving license reinstatement by the state’s DMV. Typically SR22 will cost the driver a meager $25 on average.
However, before getting the SR22 certification, the insurance company will require you to buy auto insurance coverage which will be significantly expensive based on your driving record. The cost of insurance is the reason obtaining an SR22 certificate is costly.
While getting auto insurance after an accident is a costly affair, you don’t have to contend with overly expensive insurance providers to get your SR22 insurance.
A comparison tool like cheapinsurance.com can help you compare some of the most reliable insurance providers, so you get cheap SR22 insurance in the market.
Who Needs an SR22 Certificate?
Different states operate under different guidelines regarding the application of SR22 requirements. In some states, the law requires a driver to have an SR22 certificate if they have been convicted for driving without prerequisite insurance coverage.
While requirements may differ from one state to another, there may be some common similarities on when a driver may require an SR22 certificate. Generally, you will be required to have an SR22 endorsement if you:
- Are caught operating a vehicle without a valid driver’s license or insurance
- Are convicted of DUI
- Have pending child support payments
- Are convicted of multiple driving violations within a short time
- Are you applying for a probationary driving license
- Fail to pay damages after a car accident
- Have a conviction with some drug offenses
How Long Do I Have To Have SR22 Insurance?
Every state has its own rules regarding the length of time a driver must carry SR22 insurance. Typically the length of time ranges from one year to five years.
You may also seek to know when the time starts ticking as it can also vary depending on the state. In some, the clock starts ticking from the day your license is suspended, while in others, it starts from the day you are eligible for license reinstatement.
Most SR22 endorsement certification lasts three years. If you do not need it on your license that long, you can ask your insurer to cancel it.
The insurer will inform the DMV of the cancellation, so you have to be careful not to do it sooner than the set period because it could lead to a license suspension.
You must ensure that your SR22 certificate is valid after three years if your state requires you to have one for longer.
What If I Don’t Own a Car?
If you do not own a car but have a suspended driving license, you may still need to have a certification and SR22 insurance coverage as long as you want to have your license reinstated. Under these circumstances, you may have to buy a non-owner SR22.