SR22 insurance is a mandatory form of car insurance that is required in many states for drivers with certain traffic violations, such as DUI or reckless driving. If you have been convicted of a traffic violation that requires you to file an SR22, you may be wondering if you can still get SR22 insurance even if your license has been suspended.
SR22 insurance is not a type of insurance that you can purchase directly. Instead, it is a certification that your insurance company files with the state. This certification verifies that you have the minimum amount of liability insurance required by law and that you will maintain this coverage for a specified period of time, typically three years.
The availability of SR22 insurance for drivers with suspended licenses varies from state to state. In some states, it is possible to obtain SR22 insurance even with a suspended license, while in other states, you may need to have your license reinstated before you can get SR22 insurance.
If you have been ordered to file an SR22 and your license has been suspended, it is important to contact your insurance company to inquire about your options. They will be able to advise you on the specific requirements in your state and help you determine if you are eligible for SR22 insurance with a suspended license.
In some cases, you may be able to get SR22 insurance through a high-risk insurance provider. These providers specialize in insuring drivers who have been deemed high-risk due to factors such as traffic violations or a suspended license. However, high-risk insurance is typically more expensive than standard car insurance.
If you are required to file an SR22 and you drive without it, you may face serious consequences. These consequences can include additional fines, license suspension, and even jail time.
It is important to note that SR22 insurance does not reinstate your suspended license. You will need to take the necessary steps to have your license reinstated separately.