If you have a less-than-perfect driving record, at some point you might be required to carry SR-22 insurance. It is a temporary insurance document that proves you have insurance and are financially responsible. Why would a driver need to get an SR-22 and what are some of the most common reasons that one would be required?
SR-22s are required in the following situations:
- Driving without valid insurance
- Driving with a revoked or suspended license
- Serious moving violation or DUI
- Too many traffic tickets in a short amount of time
In most states, an SR-22 insurance status is in place for three years before the restriction is removed. You must carry continuous insurance during the specified time period, and cannot cancel or allow the policy to lapse or your insurance company is required by law to notify the state to suspend your license again.
Your independent insurance agent can file the SR-22 paperwork to your state's Department of Motor Vehicles, and once there is proof of insurance on file, you can legally drive again. Some states do require a fee to file an SR-22. If you are coming to the end of your SR-22 time period, your insurance company can file a form (called an SR-26 in many states) with the state to cancel the existing SR-22, generally about 10 days before the SR-22 expiration date.
Since many states have different laws concerning SR-22s, it is important to consult with an independent agent in your area to find out what the requirements are. The general concept of an SR-22 is similar from state to state, but you always should check with your independent agent to verify SR-22 specifics for your state.
We'll help you get the right coverage. Call Cloverleaf Insurance at 800-530-5822 for more information on Missouri SR22 auto insurance.