What Is a Sr-22 Insurance Form?
A SR-22 form is a proof of insurance document that allows drivers with suspended or revoked driver's licenses to reinstate their license and get back on the road. Not required in all 50 states, SR-22 forms are provided by auto insurance companies that insure high-risk drivers.
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States That Require an SR-22 Form
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The SR-22 form is required in 42 states, but not required in North Carolina, New York, New Mexico, Minnesota, Kentucky, Delaware, Pennsylvania and Oklahoma. If you move to a non-SR-22 state but have an existing SR-22 form on file, you must continue to pay for SR-22 insurance coverage.
Keeping the SR-22 Form on Record
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Once your insurance company provides you with a SR-22 form, you must submit it to your state's DMV, or Department of Motor Vehicles office. Some states will also require a SR-22 form fee, which will generally cost $15 to $30 as of 2010, according to the website SR22Guide.com. Your insurance premiums will likely go up, but your license will be reinstated by the state and you will be back in the driver's seat.
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Penalties for SR-22 Form Lapses
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Once submitted to your state's DMV, your SR-22 form will remain on your driving record for up to three consecutive years, depending on the state's time requirements. However, if you do not pay for your auto insurance and your policy and SR-22 coverage lapses, your insurance company will contact the DMV and your license will be re-suspended or re-revoked. At this time, your original suspension or revocation sentence will start over from the beginning, and a new SR-22 form may need to be submitted.
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