What Is the SR-22 Insurance Requirement?

By August 8, 2016Thomas Law Firm

Being convicted of DUI comes with many repercussions. Some of them aren’t as obvious as the ones you are probably thinking of (jail, fines, a mark on your record). For example, did you know that people convicted of DUIs need to file a special insurance form known as an SR-22?

SR-22 is not insurance itself – rather, it is a document affirming that you do possess automobile insurance. Not only that, but it also serves as a sort of monitoring tool by forcing you to make timely payments on your auto insurance. If you fail to pay your monthly premiums, then the SR-22 will be eliminated and replaced with an SR-26. An SR-26 leads to a license suspension, active until you file another SR-22.

The cost of the SR-22 itself is very low. However, do know that you will be requesting the SR-22 from your insurance provider, and they will be very curious as to why you need one. This means that they will find out about your DUI and will consider you that much more of a risky driver, thus leading to increased insurance rates.

Do I Need an SR-22 If I Do Not Own a Car?

Suppose you get a DUI, but you were driving someone else’s car at the time (you don’t have one). Does that mean you can avoid the SR-22? Sure, but your license will still be suspended. Even if you do not have a car, to preserve your license you will need to have the SR-22 included in a non-owner’s insurance policy.

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