Life is full of dealing with unforeseen problems. Many times, these are problems we created in a moment of carelessness. So long as we learn from our mistakes and don’t keep repeating them, everything will work out eventually for us.
According to the Department of Motor Vehicles (DMV):
- SR-22 filings are typically related to serious traffic violations. Generally, you will be required to file an SR-22 for the following reasons:
- · You are convicted of driving under the influence (DUI) or driving while intoxicated (DWI)
- · You are caught driving without car insurance.
- · You are involved in a serious car accident.
- · Your driver’s license has been suspended or revoked.
- · You have an excessive amount of violation points on your driving record.
It’s Not Forever
Fortunately, while you will have to carry it for 3 long years, it’s not something that will last for the rest of your life.
While you do have it here are three things that you should keep in mind.
First, it’s not insurance.
It may be called insurance, but it doesn’t work like insurance. The purpose of insurance is to pay a small amount of money over a regular period of time to get coverage should you suddenly be faced with a huge expense. With car insurance, for instance, you pay a regular premium so that any medical or automotive bills are covered in the event of an accident. You are paying hundreds of dollars to cover the possible outlay of tens of thousands of dollars.
An Sr22 policy is a form of certificate. It’s something that your car insurance company will file with the state to say that they stand by you. In other words, it proves that you have got car insurance coverage, as opposed to not having any proof of financial responsibility.
If you are ever pulled up, you can’t pull up your SR 22 insurance as proof of insurance. It doesn’t work that way. You have to show both your car insurance policy and your SR 22 insurance.
Second, it’s affordable.
Although there is a certain punitive element to having to carry SR 22 insurance, this certification is very reasonably priced. It’s less than $50. In some states, it’s $15 in other states, $25. You pay this fee on top of the fee you pay for your regular car insurance. You would probably have a lower car insurance cost if you did not have an SR 22 insurance, but it is still affordable.
One thing, however, that you can’t afford not to do is to forget to pay to renew your car insurance. If you don’t get around to renewing your car insurance, your insurer is required by law to report you to the DMV. Your license will then be either revoked or suspended.
Third, you’re off the hook after 3 years.
After your 3 years is up, you can call your car insurance company and inform them that you have completed the term. They will then get in touch with the DMV to formally ask that your filing be removed from your auto insurance policy. All the reasons why you had to get SR 22 insurance will also be erased from your records.
If you do have to carry SR 22 insurance, keep your chin up. Learn your lesson, become a safe driver, avoid moving violations or risky driving, and stay the course. In 3 years, less in some states, it will all be behind you