According to the website of Habush Habush & Rottier S.C. ®SR-22 is often mistaken as an insurance policy. This is not true. It is a document that the state requires as proof that you have liability insurance in case accidents happen, meaning it can be used as evidence that you do have an existing policy. Different states have their own laws regarding the requirements for and SR-22, and there are even ones that do not require SR-22 at all.

SR-22 (SR means safety responsibility) is provided by the insurance company and filed with the Department of Motor Vehicles. Despite the differences from law and processes between states, they all share the same goal of monitoring insurance coverage in order to administer mandatory insurance requirements. The monitoring is mostly done by the insurance company who is providing the SR-22 bond; failing to keep up with the insurance coverage gives the insurance company permission to notify the state, which then has the authority to make the necessary actions against the person with SR-22.

Regardless of the reasons for the SR-22, once a person is required to have it he or she should honor the amount of time that the state requires for it. The length of time a person needs to carry SR-22 depends on the state where it has been filed. Most cases call for a 3-year fulfillment after the driver’s license has been reinstated, particularly because of DUI or DWI. If there have been no incidents or accidents (as defined by the state) during the whole 3 years, then the SR-22 requirement can be revoked.

Most states have SR-22 requirements, but there are those that do not have them. These states are Delaware, Minnesota, New York, Oklahoma, New Mexico, Pennsylvania, North Carolina, and Kentucky. Moving from a state that requires SR-22 to somewhere without such requirement does not make the requirement unnecessary: your previous state may still require you to file SR-22. This can be appealed depending on the new state you live in. Fulfilling your SR-22 requirements is still necessary. Since an SR-22 is a high risk bond, people who have SR-22 often pay higher insurance premiums. It also ensures the state that you have minimum liability insurance.

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