What is an SR 22 Filing?
When you’ve been convicted of a DUI, you may hear
the term “SR 22 Filing” but not know exactly what it means. It’s critical that you understand everything about an SR 22
filing when you’re trying to get insurance and reestablish your
ability to drive after a DUI.
SR 22 Filing for DUI Insurance. SR 22 insurance is basically insurance for people who are
“at-risk” drivers. In
some states this can include people who’ve had a lot of accidents or
traffic violations. SR 22
insurance is strictly for those who’ve been convicted of a DUI. When you have this type of insurance, an SR 22 Filing is required by
the state.
SR 22 Filing in Your State. While
laws vary from state to state for SR 22 Filing, there are some basic
guidelines you’ll need to follow no matter where you live. When you have SR 22 insurance, you’re required to follow SR 22
filing procedures. There’s
a specific form that you must carry with you actually called an SR 22. This is different from a standard insurance card you might carry
with you.
SR 22 filing is required with your local Department of Motor Vehicles or
Department of Public Safety before your suspended license can be
reissued. Every state has
it’s own guidelines, but you’ll usually have a specific form that
has to be turned in for your SR 22 filing.
After SR 22 Filing. Once
you’ve completed the SR 22 Filing for your state, your driver’s
license will be reissued. As
long as you keep your insurance current, meaning paid on time, your
SR 22 Filing will remain in effect. However, if you lapse on payment or are cancelled for another
reason, that SR 22 Filing is void. When
your policy is cancelled, the insurance company will let the appropriate
state department know you are no longer covered.
If Your SR 22 Filing Lapses. In
order for you to be allowed to legally drive again, you must make sure
your SR 22 insurance is in good standing again. You’ll have to complete your SR 22 Filing again in order to
keep your license. If you
don’t complete the SR 22 Filing in time, your license may be suspended
or revoked again.
How Long Will I Need SR 22 Filing? Typically you’ll need to have an SR 22 Filing for three
years after your DUI conviction. Any
time that you have a problem with your insurance, you need to make sure
that your SR 22 Filing is kept current.
SR 22 Filing is a necessary part of your DUI conviction. You must keep it current in order to enjoy the independence of
driving.
This information should give you a good idea of exactly what is an SR 22 filing.
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