All About SR-22 Filings

You are required to produce proof of financial responsibility to drive a vehicle anytime you are asked by a law enforcement officer, you are involved in an accident, or when you get your vehicle registered or inspected. Failure to do so will result in legal problems and possible license suspension. You may also face the possibility of having your license suspended due to being convicted of a DUI or any other major traffic violations.

If you are in one of these situations, there is a way to avoid having your license suspended and perhaps losing your job as well. Most states require drivers to file an SR-22 in order to keep their driving privileges in force. The SR-22 is a form that the insurance company provides the local DMV to advise them that a motorist carries valid auto insurance. When the policy has lapsed or is canceled or terminated, the insurance company must also advise the DMV of this. If this does occur, all driving privileges are immediately suspended.

Each state has different rules and regulations governing high risk insurance insurance. It is wise to check the requirements in your state. In most cases this type of insurance is valid for 3 consecutive years but this can depend on the severity of the traffic violation. There are two different types of SR-22s available. An non owner policy is required for drivers who own their own vehicle and a non-owner policy is required for drivers who do not own their own vehicle but still wish to be permitted to drive with insurance.

Now, you may ask, "how do I file an SR-22?" The process itself is relatively simple. Only an authorized insurance company has permission to file these. The key is to locate an agency that offers cheap filings. There are also different rates for this type of insurance, so make sure you compare quotes from a few different companies. This will help you to find the cheapest insurance rate.

In your research, you may find that some places will offer to file your policy at a very inexpensive rate and some may even file it for free. The only way to find this out is to shop around and compare agencies.

Author: Nikki James