Need to File an SR-22? 4 Things You Should Know

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If you've been told by a judge that you need an SR-22, you may be feeling a bit overwhelmed. After all, it probably seems like this is a big deal. Fortunately for you, it's not. While the circumstances that got you here may have heavy and long-lasting consequences, this part is going to be fairly easy. The biggest thing you're going to have to worry about is making sure you have an SR-22 for the entire period of time as set forth by the laws in your state. If you have any questions, the following should answer them. Here are four things you should know about an SR-22. 

Why Do I Need an SR-22?

If you have had any serious moving violations in the recent past, you may be required to get an SR-22. Some common scenarios that result in the need for an SR-22 are as follows:

What Is an SR-22?

Also known as a Certificate of Financial Responsibility, an SR-22 isn't insurance or bonded insurance as many people think it is. It's simply a piece of paper that verifies that you have auto insurance. The paper is issued by your car-insurance company, and it goes directly to the department of motor vehicles so they can keep it on file. If you fail to maintain auto insurance, your carrier will inform the DMV, which may decide to revoke your driving privileges as a result. 

How Much Does It Cost?

The SR-22 itself doesn't cost that much. When you file the form with your insurance company, you will pay a nominal fee. However, your insurance rates may skyrocket as a result of needing an SR-22. Insurance companies view drivers with an SR-22 requirement as high risk. 

Can It Get Me in Trouble?

As mentioned, you may lose your driving privileges is you fail to maintain insurance coverage. If you continue to drive without insurance and on a suspended license, you could end up facing punishments and consequences that haunt you for years. 

As you can see, getting an SR-22 isn't that big of a deal. However, the things that got you in this position probably are a huge deal. Also, letting your insurance lapse when you have an SR-22 can have huge repercussions. 

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