How to Get Your License Back With SR-22 Insurance

by lvalencia - July 8, 2020

The chances of having a suspended license are slim if you have a good driving record and never allow your coverage lapse. However, many circumstances may lead to suspension of your license. A driver license suspension, in many instances, come with a certificate of financial responsibility. This implies that you may need an SR-22 insurance to get your license back. But what is an SR-22 insurance, and how long do you need it? We will answer these and other questions you may have as quickly as possible.  

What is SR-22 Insurance? 

SR-22 insurance is proof of financial responsibility. This is a document or certificate of insurance that proves that the individual is carrying, at least, the state-mandated amount of car insurance. It is also referred to as SR-22 car insurance, SR-22 22 bond, SR-22 form, or SR-22 certificate of financial responsibility.

Why Do I Need an SR-22 Insurance? 

Many drivers with suspended licenses may not need SR-22 insurance to get them back. The circumstances that will require SR-22 insurance include:

  • Driving without a valid license or adequate insurance
  • DUI or DWI
  • Several at-fault accidents or traffic violations
  • Repeat offenses in short-term frame
  • Suspended or revoked license
  • Not paying court-ordered child support
  • Hardship or probationary license

How Long Do I Need an SR-22 Insurance? 

The period you will need to carry an SR-22 insurance will depend on several factors, primarily your state requirement and circumstances. It usually ranges between 2 and 5 years. You should expect to maintain continuous insurance coverage with an SR-22 bond for three years.  

How Do I Know When My SR-22 is Up? 

You can only confirm from your court document and with the state that your SR-22 insurance is up. As stated earlier, the range is between 2 and 5 years. When you are sure that the SR-22 is no longer needed, file for it to be removed. An SR26 form will be filed to remove it. Notify your insurance company afterward.  

How Long Does It Take To Reinstate A License? 

The length of driver license suspension varies from state to state. Again, the time it will take to reinstate a license will depend on your circumstances. The severity of the offense that warranted the license’s suspension can affect how long it will take. After filing SR-22 and fulfilling other requirements, your license can be reinstated in a matter of days.

What Can I Do If My Provider Doesn’t Offer SR22? 

If you have a reliable provider that doesn’t offer SR-22 insurance, the best thing to do is to file non-owner SR-22 with another insurance company. You don’t need to switch your primary insurer just for SR-22. You will be required to buy the same limits of liability that are on your primary policy. It will not be a duplicate coverage since it will not cover any vehicles.

Depending on the reason for a suspended or revoked license, you may need an SR-22 insurance to get it back. We have answered most of the pressing questions about this important document you need to file with your state. Your insurance agent can help you clarify other issues about SR-22 and getting your license back.  

SUBSCRIBE TO OUR NEWSLETTER
Customer Service866-424-9511