What is an Auto Insurance SR22?
There are some drivers who require an auto insurance SR22 form. Also written with a hyphen in many cases, the SR-22 document is mandatory for individuals who have been convicted of particular violations. This form shows the authorities that the individual has insurance for any vehicle they may be driving. There are different state requirements for drivers regarding this form, so check with your local DMV if you have questions.
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The SR22 form is required to be filed by the individual's insurance company. The insurance company lets the DMV know that the individual in question has the right kind of insurance as required by law. There are a variety of circumstances under which a person may be required to file this form. For example, a person with a certain number of speeding tickets, a person who caused a vehicle accident or someone who got one or more DUIs are often required to have an SR22 if they are allowed to drive, even on a restricted basis.
Restricted driving privileges may be awarded to those who need to drive for work or who have completed designated classes, such as safe driving or alcohol safety. The individual may not even have a vehicle of their own, but drive someone else's or a work automobile. They will still need to carry an SR22 or their restricted privileges will be revoked. Every state's law regarding this matter is a bit different so make sure you understand what is required of you. The excuse that you didn't know better does not hold up in court.
There are a handful of states who do not require an auto insurance SR22. However, the vast majority of states do require this form and type of insurance for particular individuals. You will not be required to carry your form in the vehicle with you, as the enforcement of the SR22 rule is done by your insurance company and the Department of Motor Vehicles, who can take your license away if your insurance company reports that your SR22 has expired or you do not have one if this is mandatory for you. The best way to avoid the hassle is to go the speed limit, avoid accidents whenever possible and never, ever drink and drive. This is deadly and even without lives lost you can ruin your entire life with one DUI.
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