Missouri SR22 Insurance
What Is Missouri SR22 Insurance?
In Missouri, an SR22 is an official documentation required by the state. Issued by your insurance company, it serves as proof that you carry the state-mandated minimum auto insurance coverage. Effectively, it’s a guarantee to the State of Missouri that you’re maintaining your insurance responsibilities.
This document is typically required after certain driving-related violations, such as a DUI or operating a vehicle without adequate insurance. Consequently, understanding the stipulations involved in obtaining and maintaining Missouri SR22 insurance is crucial, specifically for drivers who have had their licenses suspended due to these violations.
How Does SR22 Insurance Work?
Once you’ve communicated your need for an SR22 to your insurance company and purchased the policy, the next step takes place. Your insurance provider will then file your SR22 form directly with the state. This filing can be accomplished either electronically or via fax. It’s key to understand that this process is handled by your insurance company, alleviating some of the burden from your shoulders.
Now, one additional step to regain your driving privileges involves a reinstatement fee. In Missouri, this typically amounts to $20, payable directly to the state. Once settled, you’ll transition to the next phase. This is marked by receiving an official letter from the license bureau. This letter signifies your license’s reinstatement, allowing you to resume legal driving.
Remember, until you receive this notification, it’s crucial not to get behind the wheel. This simple yet significant step ensures your compliance with Missouri’s SR22 regulations, paving the way for a smooth return to the roads.
Does SR22 Affect My Insurance Premium?
Yes, an SR22 filing indeed impacts your insurance premium. Most insurance companies can add an SR22 filing to your auto policy, typically with a fee ranging from $25 to $45. However, it’s important to note that this filing labels you as a high-risk driver. Because of that, you may see an increase in your auto insurance premium. This surge occurs as insurance companies adjust their rates to cover the added risk they undertake with high-risk drivers.
Potential Consequences of SR22 on Your Policy
At the end of your policy term, some insurance carriers might decide not to renew it. This is particularly likely if you’ve had a DUI. When deemed a high-risk driver, securing a new policy may become challenging.
Convicted of DUI in Missouri?
Should you find yourself convicted of a DUI in Missouri, an immediate 30-day license suspension will be imposed. Following this suspension period, to regain your driving privileges, obtaining SR22 insurance becomes a necessity. Also, you will likely need a ignition interlock device installed in your car. Consequently, it’s essential to understand the processes involved to ensure smooth transitions and to avoid any further complications.
Multiple DUIs and Long-Term License Revocation in Missouri
In the unfortunate event that you accumulate multiple DUI convictions, Missouri law imposes more severe consequences. Specifically, with three DUI offenses on your record, your driver’s license could be revoked for a period of up to 10 years. It’s a drastic measure that reflects the seriousness of repeated violations. In certain cases you can still have a limited driving privilege approved – a hardship license.
Hardship License in Missouri: An Alternative
If you’re unable to reinstate your license, there’s another option. Missouri law allows for a hardship license. This special permit, approved by the court, lets you drive under certain conditions. It’s often given to those who need to travel for work, school, or medical care.
To get it, you must still provide proof of SR22 insurance. This helps ensure financial responsibility, even during license suspension. Remember, though, each situation is unique. It’s best to consult with a legal professional to understand your options.
Driving Limitations with a Hardship License:
With a hardship license in Missouri, your driving is limited. It means you can only drive to certain places. These include work, school or medical appointments. Additionally, you may drive to Substance Abuse Traffic Offender Program (SATOP) classes. This is to ensure safety while maintaining necessary travel.
How Long Do I Need to Keep My SR22 in Missouri?
In Missouri, maintaining an SR22 insurance post-conviction is crucial. Typically, a two-year period is required. If at any time during these two years, your insurance lapses, beware! Your driving license could face potential suspension. Therefore, ensuring continual coverage is paramount to avoid such repercussions. Take note, a smooth driving future lies in your hands.
Where Can I Get Affordable SR22 Insurance in Missouri?
At Bargain Insurance Connection, we specialize in affordable SR22 insurance in Missouri. Our dedicated team can assist you even if you don’t own a vehicle, through a non-owner policy. For a free quote, call us at 816.453.7722 or make a request below. We are here to make your journey back to the road more affordable.