When a driver has their license suspended or revoked, getting it reinstated can be a difficult process. Insurance companies are hesitant to cover drivers who have had their licenses suspended. Or revoked because they are considered high-risk. If a driver has had their license suspended, it is often because they have a history of traffic violations or have been involved in accidents, which increases the likelihood that they will be involved in future accidents. However, there are some insurance companies that specialize in providing coverage to high-risk drivers, including those with suspended licenses if they have an SR-22 form filled out.
What is SR-22 Insurance?
SR-22 insurance is not actually insurance, but rather a form that proves a driver has insurance coverage. It is required by the Department of Motor Vehicles (DMV) in most states when a driver has their license suspended or revoked. The form shows that the driver has at least the minimum amount of liability insurance required by the state. Not all insurance companies offer SR-22 insurance, so it is important to shop around and find a company that is an industry leading provider.
Why Do You Need SR-22 Insurance?
If a driver’s license has been suspended due to a DUI, reckless driving, or other serious violation. The driver will likely need to obtain SR-22 insurance before their license can be reinstated. The SR-22 form must be filed with the DMV, and it will usually be required for a specified period, such as three years. During this time, if the driver is involved in any further violations or accidents. And the insurance company will be required to notify the DMV.
Steps to Get Your License Back with SR-22 Insurance
To get their license reinstated with SR-22 insurance, the driver must follow several steps.
First, they must determine the length of time they need SR-22 insurance, which varies depending on the state and the reason for the license suspension. Then, they must find an insurance company that offers SR-22 insurance, which may require shopping around and comparing rates.
Once the driver finds an insurance company, they must purchase an auto insurance policy that meets the minimum liability insurance requirements for their state. And inform the insurance company that they need SR-22 insurance. The insurance company will then file the SR-22 form with the DMV, usually for a fee. The driver must wait for confirmation of license reinstatement, which can take several days or even weeks, depending on the state.
Finally, the driver must maintain their SR-22 insurance for the entire time required by the DMV. If they cancel the policy or let it lapse, the insurance company will be required to notify the DMV. And the driver’s license could be suspended again.
Obtaining SR-22 insurance is an important step in getting a driver’s license back after it has been suspended. While the process may seem daunting, it is not impossible. By following the steps outlined in this article and staying diligent with insurance coverage. Drivers can get back on the road and regain their independence. It is important to remember that each state has its own specific requirements. So, it is crucial to check with the DMV in the driver’s state for the exact process that needs to be followed to get their license reinstated.