What is an SR-22?
An SR-22 is a type of insurance certificate that the state will require for “high risk” drivers. The SR-22 is used by the states’ Department of Motor Vehicles (DMV) to keep track of the motor vehicle insurance status of certain individuals. When a person has an SR-22 certificate, if there is a change in the policy coverage or if the coverage ends, the insurance company will notify the DMV of such changes.
When do I need an SR-22?
Drivers typically seek an SR-22 endorsement if they have a suspended license and need an occupation driver’s license, or if they have been convicted of a serious traffic offense, such as a DWI. A Judge can also order risky drivers to obtain an SR-22 when they feel like the driver may not maintain financial responsibility while on the road.
If your license is suspended and you are seeking a hardship license, commonly referred to as an occupation driver’s license (ODL), most courts require proof of SR-22 endorsement before considering any petition to obtain an ODL. Once the Judge issues an order after reviewing your SR-22 endorsement, and finding you have an essential need for the license, you can use that order and the SR-22 endorsement to obtain your permanent occupational license from the DMV.
How Do I Get an SR-22?
If a person already has motor vehicle liability insurance, an SR-22 certificate can be obtained by speaking with insurance agent or insurance company carrying the current policy. As these are considered “high risk” policies, the costs for the actual insurance policies will be higher than normal. While the price of obtaining an SR-22 varies between insurance companies, the cost is typically under $50 for the certificate to be filed. This cost is in addition to the cost of the insurance policy.
For more information about SR-22 certifications, call a local insurance agency. Many traffic ticket lawyers will know local companies that provide an SR-22. Also, you can read more here:
Note: This blog post is for informational purposes only. No legal advice is intended by this blog post. For specific legal issues, please contact a licensed attorney to discuss your legal matter.
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