How SR22 Insurance Can Get You Back on the Road

How SR22 Insurance Can Get You Back on the Road

It is hard to know what to do after a license suspension. It may seem like a long and arduous process, especially if you have no resources to guide you through the procedure of getting your license back. It is so hard to figure out what to do that some may give up on driving altogether in some situations. In other cases, it may seem like the process is too expensive, deterring any would-be drivers from coming back. No matter what situation you are currently facing, we guarantee that the process of obtaining your license is easy if you know what to do. Here is how SR22 insurance can get you back on the road.

What Is SR22 Insurance?

Before we get into how SR22 insurance can reinstate your license, we must first explore what SR22 insurance is. SR22 insurance is high-risk insurance that, after receiving it, allows the owner to continue driving after having their license suspended. SR22 insurance enables the recipient to drive after the suspension period has ended. In most cases, SR22 insurance is required by law for a person with a suspended license to drive. Because of this, it is important to research how to get your SR22 insurance filing completed as soon as your suspension period ends. 

What Are the Reasons for a License Suspension?

There are various reasons why someone may have their license suspended. Here are some of the most common reasons why someone may have their license suspended:

  • Receiving a DUI 
  • Receiving a charge of reckless driving
  • Driving without insurance
  • Repeated and high-frequency traffic violations
  • Failing to pay child support

No matter why you had your license suspended, there is an easy way to get your license reinstated.

How To Get an SR22 Insurance Certificate

Contact Your Car Insurance Company To Start the Filing Process

During the filing process, you must certify that you carry the minimum amount of car insurance necessary to cover you the entire time you have an SR22 insurance policy on file. If you do not have car insurance or not enough to cover your filing period, you will have to purchase the required amount of coverage before filing an SR22.

Decide What Kind of SR22 Certificate Is Best for You

For most states, there are three types of certificates that you can get. All three vary based on the individual needs of the driver. An owner’s certificate only covers the cars titled under your name. In contrast, individuals who do not own a car but still drive will require an operator certificate (also known as a non-owner SR22). The last variation is the owner-operator certificate, which covers you while driving any vehicle, regardless of whether it is in your name.

File the SR22

In some cases, your insurer will file the SR22 for you and charge you a filing fee. It is important to keep in mind that you must maintain insurance while you have SR22 on file. Your insurance company is legally required to tell the state when you cancel your high-risk insurance. When this happens, the state will likely revoke your driving privileges as a penalty for your lack of coverage during this period.

How Long Does It Take To Reinstate Licenses?

The projected timeline for you getting your license will vary between states and the violation for which you had your license taken away in the first place. You will have to serve a probationary period during which you cannot drive in all cases. However, your suspension period will depend on the severity of the infraction that you committed.

How Long Do You Need an SR22 For?

After the license suspension period has ended, you can expect that you will need to keep your SR22 high-risk insurance for about three years before you can drop it. The state does this to ensure that if you are a high-risk driver, you will have the necessary coverage to compensate for a second accident should it occur. In some cases, the suspension period is greater or less than three years, as this can sometimes vary from state to state based on requirements and filing periods. A high-risk driver may continue utilizing their SR22 insurance in some cases. If you believe that you could get into an accident again, it is a good idea to keep the liability insurance on your policy.

As far as SR22 is concerned, the filing period is the length of time that you must hold continuous insurance and maintain the SR22 insurance on file. This means that if you choose to cancel the SR22 insurance in the period in which your license is on probation, your insurance provider will contact the state and will have your license suspended again.

How To Get SR22 Removed

One of the more important things to do after your probationary period has ended is to cancel your SR22. In all cases, your insurance company will not automatically take the SR22 insurance off your policy. As such, when the required period for your SR22 filing has ceased, you should contact your insurance provider to get your SR22 filing removed from your account.

The Aftereffects of a License Suspension

Some of the things that you can expect to experience after a license suspension may include:

  • Higher premiums due to your classification as a high-risk driver
  • Continued high-risk insurance in case your insurance company does not cover you anymore

We hope that this article has highlighted how SR22 insurance can get you back on the road. Remember that in most cases, knowing what to avoid and look out for while you are driving on the road is often the best protection against traffic convictions. Consider browsing the other articles on our website to learn how you can protect yourself from everything on the road. We have a staff dedicated to helping you get through this time and difficult period by providing excellent service and educational content! If you or a loved one needs SR22 high-risk insurance, reach out to Serenity Group today.