What is an SR22 Filing?
Reader’s Question:
What is an SR22 Filing? How does it work?
Harry
San Francisco CA
An SR22 Filing is the process of filing your insurance with the DMV. This procedure is in fact an actual filling out of form that shows proof that you have the required liability insurance in your state.
The time period that an individual may be required to carry an SR22 is three years. However, this would still depends on the violation and the surrounding cicumstances on the offense. SR22 is usually required for individuals that have been convicted of serious moving offenses such as driving unde rthe influence or DUI, driving without car insurance, causing an accident without car insurance, receiving too many traffic tickets or points on your driving record, etc.
Generally, SR22 filing si being done by your car insurance company. If you are required by the state to get an SR22, all you need to do is to inform your car insurance company about what is required of you and they will file it for you. This SR22 will be submitted electronically to the DMV. If for any reason you cancel, terminate or let your SR22 lapse before the time period you are required toc arry it, your insurance company will notify teh DMV about the cancellation. As a result, your license will be suspended.
Not all companies offer an SR22, so if your current insurance provider does not offer it, you will need to look for a different company that offer it.
Car insurance companies vary with their insurance ratings; thus it is important that you shop around if you want to get a cheap SR22 insurance. Make sure that the insurance company that will do an SR22 filing for you is reputable and can be trusted.
