{"id":886,"date":"2022-10-06T17:21:08","date_gmt":"2022-10-06T17:21:08","guid":{"rendered":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/?p=886"},"modified":"2022-10-06T17:21:08","modified_gmt":"2022-10-06T17:21:08","slug":"what-happens-when-you-dont-get-sr-22-insurance","status":"publish","type":"post","link":"https:\/\/www.sr22adviser.com\/guidance-and-tips\/insurance-facts\/what-happens-when-you-dont-get-sr-22-insurance\/","title":{"rendered":"What Happens When You Don\u2019t Get SR-22 Insurance?\u00a0"},"content":{"rendered":"
You will be breaking the law. Again. Since you are required to file an SR-22 form with your DMV because you\u2019ve already broken the law (typically by driving drunk), you\u2019ll be on your way to a serious second offense by not doing what you\u2019ve been told to do by a court.\u00a0<\/span>\u00a0<\/span><\/p>\n There\u2019s no way around it: if you\u2019re required to get <\/span>SR-22 insurance,<\/span><\/a> then you\u2019ll need to budget more money toward your car insurance premiums.\u00a0<\/span>\u00a0<\/span><\/p>\n As you\u2019ll find out in this article, the penalties for not getting SR-22 insurance far outweigh the money you might save. In fact, you\u2019re more likely to pay more in the long run.<\/span>\u00a0<\/span><\/p>\n An SR-22, also known as an SR-22 certificate of financial responsibility, is a document filed with your state DMV that proves that you have the <\/span>state-required minimum car insurance<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n You can only file an SR-22 through your car insurance company, and an insurance policy that includes an SR-22 filing is commonly known as SR-22 insurance. In other words, you can\u2019t file an <\/span>SR-22 without having car insurance<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n Most people don\u2019t need SR-22 insurance. If you\u2019re required to file an SR-22, then you\u2019ll receive a letter from the DMV. Each state has its <\/span>own regulations<\/span><\/a> about who needs to file an SR-22, though the most common reasons include:<\/span>\u00a0<\/span><\/p>\n From that point on, you\u2019ll need to have SR-22 insurance for the <\/span>required time period<\/span><\/a>\u2014typically three years, though the range can vary between one and five years.<\/span>\u00a0<\/span><\/p>\n If you\u2019re required to file an SR-22, you might be wondering what the consequences are for ignoring the requirement. The answer depends on whether you\u2019re getting SR-22 for the first time, or if you\u2019ve let your SR-22 insurance expire.<\/span>\u00a0<\/span><\/p>\n Keep in mind that SR-22 insurance is tracked more closely than regular car insurance. If you drive without regular insurance, then the DMV won\u2019t know about it until you\u2019re pulled over or get into an accident. But because your car insurance company files your SR-22, your state DMV will always know whether you\u2019re complying with the law.<\/span>\u00a0<\/span><\/p>\n When you receive a letter from the DMV about having to file an SR-22, chances are that your license is suspended as well. Depending on the state and the violation, license suspensions can last anywhere from 90 days to an entire year.<\/span>\u00a0<\/span><\/p>\n After your license suspension period is up, you can apply for the DMV to reinstate your license. But there\u2019s a big catch \u2014 even after the suspension period is over, you won\u2019t be able to get your license back until you file an SR-22 to show that you have <\/span>enough insurance coverage<\/span><\/a>. In other words, if you don\u2019t get SR-22 insurance, you don\u2019t get to drive.<\/span>\u00a0<\/span><\/p>\n Once you\u2019ve filed an SR-22 and paid your fines and administrative fees, you\u2019ll get your license. Be sure to keep track of the date that the DMV received your SR-22. This is considered to be \u201cDay 1\u201d of your required filing period.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\nWhat is an<\/span><\/b> SR-22?\u00a0<\/span><\/h2>\n
How Do I Know<\/span><\/b> If I Need SR-22 Insurance?<\/span><\/b>\u00a0<\/span><\/h2>\n
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What<\/span><\/b> Happens When You Don\u2019t Get SR-22 Insurance?<\/span><\/b>\u00a0<\/span><\/h2>\n
You Can\u2019t Get<\/span><\/b> Your License Back Without SR-22 Insurance<\/span><\/b>\u00a0<\/span><\/h2>\n
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Find Cheap SR-22 Auto Insurance Quotes<\/h2>\r\n