What is an SR-22 and Why is it Important?
The SR-22 is a form that serves as proof to the Department of Motor Vehicles (DMV) that you have auto insurance, more precisely motor vehicle liability insurance.
If you have to carry an SR-22 your insurance company is under the obligation to inform the DMV if your policy is canceled, terminated or if it lapses. Canceling your insurance policy will generally result in your license being revoked until you acquire insurance coverage again.
You may be required to carry an SR-22 in general as a result of being considered a high-risk driver. Falling into this category might result from
* driving under the influence of alcohol or drugs (DUI)
* driving while intoxicated (DWI)
* serious moving violations or
* causing an accident while uninsured
In general proof of being covered by an SR-22 is necessary for the reinstatement of driver’s privileges after they have been revoked.
Regulations on how long the SR-22 has to be carried vary from state to state, but coverage as a result for violations other than DWI and Refusal (refusing to take a breath test) convictions usually have to be maintained for 3 years.
If you have been convicted of DWI or Refusal, you will generally be required to have SR-22 for 5 years on a first offense and increasing amounts of time with subsequent offenses.
Jackie Smith, Executive Writer http://www.quotella.com
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