US law requires that when your driver’s license has been suspended due to DUI or drunk driving conviction, SR-22 filing is necessary to re-instate your driver’s license. SR-22 filing is proof that you have auto insurance. SR-22 is to be filed with the Department of Motor Vehicles of the state. SR-22 filing is required when you have a DUI or when you get involved in an accident and you did not have a valid insurance. You can also buy non-owners liability SR22 policy if you do not own a vehicle. SR-22 is also necessary in the case of a second drunk driver conviction. SR-22 is state specific and differs from state to state.
You need to fill out a form to request the quotes and the insurance carrier will offer you the quotes and you buy the insurance the new insurer will file SR-22 immediately with the DMV on your behalf.
SR-22 is a form which must be filed with the Department of Motor Vehicles of the state confirming that your auto liability insurance is in effect. SR-22 is typically required by most state laws to you when you meet with an accident or convicted of a traffic violation and cannot show financial responsibility. SR-22 is a form that your auto insurance provider fills out on your behalf and files it with the DMV’s office to enable you to get your driver’s license back. There are very few auto insurance carriers who offer the SR-22 option but you will be able find one who will by doing some internet research.
Your auto insurer is most likely to cancel your insurance coverage if you get into one or more of the following situations:
- Drunk driving
- Driving without insurance
- You have multiple driving violation tickets
- Your insurance carrier has dropped you
- Multiple accident claims
- You have bad credit history
- Notice from the DMV requiring you to file SR-22
- SR-22 is ordered by a judge (in some states)
You should look out for an insurer who would provide you with SR-22 insurance who would file your SR-22 immediately so that you can get your driver’s license re-instated.