When your license gets suspended, you probably have one thing on your mind — getting it back. If you’ve never been through the process before, you may have questions like, “Do I need an SR-22 to reinstate my license?” and “How do I get an SR-22?”
In most states, you need to take several steps to get your license reinstated after getting it taken away. That includes filing an SR-22 form to prove you have SR-22 car insurance before you can start driving again. Here’s a breakdown of everything you need to know about securing SR-22 insurance so you can get back on the road.
The Process of Reinstating Your License
If you’re wondering, “How do I reinstate my license?”, it’s important to review your state’s laws. You’ll want to review a state-by-state guide to reinstating your license after SR-22 filing, as each has its own requirements. However, here are a few typical steps you can expect.
Completing the Waiting Period
Typically, there will be a mandatory suspension period you’ll have to wait out before you can even apply to get your license back. Depending on your charge and where you live, this could range from a few weeks to multiple years.
Paying Any Fines
Make sure you pay all outstanding fines and fees associated with your driving charge. You’ll also have to pay a reinstatement fee, which varies by state.
Taking a Driving Program
Depending on the reason you got your driving privileges revoked, you may be required to take a course as part of your court order. For example, if you have a DUI, you’ll probably have to take an alcohol abuse class. If you were convicted of reckless driving, you’d likely have to complete a defensive driving course.
Signing Up for SR-22 Insurance
Finally, you’ll need to get insurance. After you get a policy that meets your state’s minimum coverage requirements, you’ll be able to file an SR-22 form, also known as a certificate of financial responsibility. This form proves to the government that you have protection in case you get an accident. Once you inform your insurer that you need SR-22 coverage, they’ll file the form on your behalf.
Find Cheap SR-22 Auto Insurance Quotes
Who Needs an SR-22?
There are plenty of reasons why you might get your license suspended and, as a result, need an SR-22. Essentially, these forms are designed for high-risk drivers. Even though most states require all drivers to have minimum liability insurance, high-risk drivers who have been convicted of a driving-related charge have some extra restrictions.
For example, if someone has demonstrated dangerous driving behaviors, such as driving under the influence, the state may ask for proof of insurance. This provides extra reassurance that they have coverage if they cause an accident in the future. You only need to file SR-22 insurance for a certain period of time, so these restrictions will eventually be removed.
Some of the common reasons you might need an SR-22 include:
- DUI or DWI
- Reckless driving
- Driving without insurance
- Driving without a license
You may also be required to file a certificate of financial responsibility for a few other reasons, such as failing to appear in court, being behind on child support payments, or even failing to pay tickets.
The Consequences of Not Getting an SR-22
It’s important to follow through with getting insurance as part of knowing how to get your license reinstated. If you don’t register for a plan and submit the form to the state, you won’t be able to get your license back. Then, if you’re found driving without a license or insurance, you could get additional fines and charges. You’ll also be delaying the process of getting your unrestricted driving privileges back.
Along with getting coverage in the first place, you also need to keep it active for your entire SR-22 requirement period. If it lapses, your insurer will notify the courts, and you may have to pay fines and even start your waiting period all over again.
How Do I Get an SR-22?
You can research SR-22 requirements by state to make sure you get a plan that meets your state’s coverage specifications, but the process is simple. Notify your insurer that you need SR-22 insurance, and then look for a plan that fulfills your area’s minimum liability requirements. Then, the insurer will file the form. Just make sure you complete your payments on time or pay your premium in full to avoid any lapses in coverage.
Get an SR-22 Quote Today
Depending on the reason your license was suspended, you may need to file an SR-22 to get it reinstated. This is a certificate of financial responsibility that confirms you have the right amount of insurance to cover costs tied to car accidents.
SR-22 Adviser specializes in helping you get the coverage you need, whether you have to file an SR-22 or want an affordable plan. We’ll help you find affordable plans that fulfill your state’s requirements in just minutes. Get a free quote from our partner site online to explore your options.