Call Us (816) 453-7722 ☰ ˟
Logo
(816) 453-7722
  • Home
  • Get A Quote
    • Auto
    • Auto & Home
    • Business & Commercial
    • General Liability Insurance
    • Home Insurance
    • Motorcycle
    • Renters
    • Landlord Insurance
    • SR-22 Insurance
    • Watercraft
  • Blog
  • Make A Payment
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About Us
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Kansas City
    • Independence
    • St. Louis
    • Columbia
    • Topeka
    • Wichita
    • Springfield
    • Oklahoma
Icon Icon Icon Icon Icon Icon
Home > Blog > Do You Need an SR-22 to Reinstate Your License?
TUESDAY, AUGUST 9, 2022

Do You Need an SR-22 to Reinstate Your License?

If you commit certain traffic violations, you will likely be required to obtain an SR-22. This form states that you hold the correct amount of car insurance required by your state in order to drive legally. Violations that lead to an SR-22 requirement can vary, but it typically occurs after your license has been suspended. This can occur if you:a car parked on a beach

·        Received a DUI or DWI

·        Were caught driving without insurance, especially if you cause an accident

·        Were caught driving without a valid license

·        Committed multiple traffic offenses in a short amount of time

An SR-22 may be ordered by a court or by the state. Once you file for an SR-22 with your insurance company, you will have to take the form to your DMV. Keep in mind that your license’s suspension depends on factors besides an SR-22 requirement. The length of your suspension varies depending on the violation. You will also likely be required to pay a fee and take a defensive driving course.

In general, you will need an SR-22 before you’re able to reinstate your license.

What Happens if You Don’t Get SR-22 Insurance?

If you fail to obtain—and maintain—an SR-22 and the insurance required, you could be charged with fines and other penalties, including paying to reinstate your license again. Simply having car insurance isn’t adequate when you have an SR-22 requirement. Along with your insurance statement, you will also need to be able to prevent a valid SR-22 when necessary.

How Long Do You Need an SR-22?

The length of SR-22 requirements vary depending on your state. On average, you will need to carry an SR-22 for two to three years. You can then work on clearing it from your record. The incident that caused the SR-22 requirement may take longer to waive, however. DUIs and DWIs, for example, can stay on your record for as long as 10 years depending on where you live and the circumstances of the incident. Violations that include at-fault crashes or injuries may take longer to waive.

Is SR-22 Insurance Expensive?

It’s important to differentiate between an SR-22 and car insurance. SR-22 insurance simply refers to car insurance you carry while having an SR-22 requirement. An SR-22 isn’t insurance itself, but a form that states the driver carries the required amount of insurance. That being said, SR-22s are typically cheap. You can purchase one from an insurance agency for $15-$25. This is a one-time payment, unlike car insurance premiums.

Unfortunately, the same cannot be said for your car insurance. An SR-22 itself doesn’t cause car insurance rates to go up, but the violation that led to the SR-22 will. A DUI can skyrocket your rates by 80% or more, which can be around $1,300 additional a year. This is a lot of money for car insurance, and many insurance agencies reject drivers who have SR-22 requirements. When looking for car insurance after your license is suspended, make sure to look for an agency that specializes in nonstandard and high-risk drivers. High-risk drivers refer to drivers who have poor credit or spotty driving records who are seen as more likely to file a car insurance claim.

There are ways to save money on car insurance after an SR-22, but you will be paying more than you did before the violation.

When you are charged with an SR-22, make sure not understand the limits of your state’s requirements. Each state requires different limits of liability car insurance. You will need to carry this coverage for as long as your SR-22 lasts.

Posted 12:35 PM

Tags: sr-22
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018

  • bargain insurance connection(24)
  • auto insurance(14)
  • commercial auto insurance(9)
  • trucking insurance(8)
  • sr22 insurance(4)
  • car insurance(3)
  • kansas city(2)
  • non-owner insurance(2)
  • winter driving(1)
  • bargain insurance connection.(1)
  • renters insurance(1)
  • 10 tips on saving on auto insurance(1)
  • general liability insurance(1)
  • auto insurance deductible(1)
  • commercial auto(1)
  • auto insurance cancellation(1)
  • renter insurance(1)
  • insurance(1)
  • how to shop auto insurance(1)
  • general liability(1)
  • insurance reinstatement(1)
  • motorcycle insurance(1)
  • home insurance in kansas city(1)
  • independent insurance agent(1)
  • car theft(1)
  • missouri commercial auto insurance(1)
  • homeowners insurance(1)
  • sr-22(1)
  • choosing the right auto policy(1)
  • cost of auto insurance in kansas city(1)
  • teenager insurance(1)
  • understand your auto policy(1)

View Mobile Version
Facebook
Get Directions
Contact Us Today
Resources
Products
Customer Service
Payment Options
Report a Claim
About Us
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 2635 NE Vivion Road
Kansas City, MO 64119

O: (816) 453-7722
Toll Free: 1-877-453-7374
F: (816) 453-7259
Click for the Business Profile for Bargain Insurance Connection
BBB RATING: A+

Trusted Choice


© Copyright. All rights reserved. Powered by Insurance Website Builder.
Bargain Insurance Connection Twitter