How Long Does SR22 Insurance Coverage Have to Take Place in Missouri?
In Missouri, the time frame for SR-22 filing is dependent upon the type of infraction committed, but once the period is over, your premiums will go back to normal and you will no longer have to file the form with the state. The three types of infractions that garner an SR-22 requirement are failure to pay damages to a third party after an in-state or out-of-state accident, showing false insurance or driving uninsured.
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Definition
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SR-22 insurance is a type of additional liability insurance form that is required for drivers with a suspended license. If you already have auto insurance coverage, SR-22 must be purchased on top of your current coverage, which raises the premium. However, once you have your SR-22 on file with Missouri's Driver License Bureau, your license will be reinstated.
Two-Year Filing Requirements
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If you are in an in-state or out-of-state accident and you cannot pay the damages, you will be required to file an SR-22 with the Missouri Driver License Bureau for two years to get your suspended license back. In addition, you must also pay a $20 reinstatement fee, show proof of full auto insurance coverage that meets the state's liability and uninsured motorist coverage requirements, and submit certification that you have paid the third-party damages in full or are on a payment plan to do so.
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Three-Year Filing Requirements
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Three-year SR-22 filing periods are required if you are caught driving uninsured or you show false insurance to a police officer during a traffic citation. First-time offenders will need to pay a $20 driver's license reinstatement fee, but second- and third-time offenders must pay a $200 and $400 respective fee to restore their driving privileges. In addition, you will need to show that you are fully insured as a Missouri driver.
Warnings
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During the time that your SR-22 coverage is on file, you must make all of your insurance premium payments on time and in full, or your two- or three-year filing period will re-start from the beginning, and you will have to pay another driver's license reinstatement fee. In addition, Missouri punishes lapsed SR-22 offenders with community service or a similar punishment.
SR22-A
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Like SR-22 liability insurance, SR-22A is given to repeat offenders and means driving restrictions and heavier premiums. Missouri, Georgia and Texas are the only three states in the U.S. to require SR-22A, but Missouri has the least stringent penalties of the three.
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