As drivers, these nuances in our insurance premiums and their influencing factors can be both mystifying and costly. So, how long does an SR22 last, and what does it mean for you?
Let’s dive in and untangle the complexities of the SR22, ensuring you’re armed with the information you need to navigate its effects.
What Is an SR22 Insurance Policy?
An SR22 is a certificate of insurance that proves you have the minimum liability coverage required by your state. If your license has been suspended due to a DUI or other serious traffic violation, filing an SR22 shows the DMV that you have insurance again so you can get your license reinstated.
How Long Will I Need an SR22?
The length of time you’ll need to maintain an SR22 policy depends on the requirements in your state and the severity of your offense. Typically, you’ll need to keep an SR22 on file for 3 years for a first DUI offense.
In some states, the SR22 requirement is extended if you receive additional tickets or are involved in accidents during this period. The DMV wants to see that you’ve changed your driving habits before removing the SR22 stipulation.
Most insurers will not cancel your policy as long as you continue paying the premiums on time. However, if your policy lapses for any reason, the DMV will suspend your license again until you file a new SR22.
To avoid hassles, contact the DMV to find out exactly how long you need an SR22, and pay close attention to renewal dates. The bottom line is that SR22 insurance is usually not a lifetime requirement. But you must follow the rules carefully for the time period your state specifies in order to eventually move on from it.
The SR22 Process
Once you purchase an SR22 insurance policy, the SR22 filing process begins. This ensures the DMV has the proper documentation on file to reinstate your license.
Filing the SR22 Form
First, your insurance company will file an SR22 form on your behalf with the DMV in your state. This form verifies you have the minimum liability coverage required by law.
DMV Review
The DMV will then review your SR22 filing to ensure all information is accurate and complete. This review process can take 3 to 5 business days on average.
Once your SR22 has been submitted to the DMV, in states like California, you will need to go to the DMV in person to reinstate your license. You may need to re-take the driving test, pay a reinstatement fee to the DMV, or show other paperwork, like enrollment in DUI classes or proof of installation of an interlock device, depending on your case. Once you have completed this process, the DMV will update their records to reflect that you have met the necessary insurance requirements.
Maintaining the SR22
To keep your license reinstated, you must maintain the SR22 filing for the time period required by your state, usually 3 years. This means keeping your auto insurance policy active and paying your premiums on time.
If your policy is canceled for any reason during this time, your insurance company will notify the DMV and your license may be suspended again until a new SR22 is filed.
SR22 Unveiled: How Long Does an SR22 Last?
In a world of uncertainties, understanding nuances like “how long does an SR22 last?” becomes crucial to securing your peace of mind. With our top-tier services, MIS Insurance Services stands as your go-to resource for SR22 insurance for car owners and non-owners who just need to get their license back. Whatever your situation, we’re here to help.
Our auto and SR22 insurance offerings redefine the norms, granting you the freedom to drive ahead with confidence.Get a quote now and get back on the road forward.
