How to Find Insurance With a Suspended License
If your license has been suspended, your insurance carrier or local court may require you to purchase an SR-22 or proof of financial responsibility. According to carinsurance.com, "An SR-22 is a certificate mandated by the state to verify that an individual is maintaining auto insurance liability coverage." If you are still making payments on your vehicle via a bank loan, you will also be required to maintain full coverage.
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Things You'll Need
- Phonebook
- Telephone
- Internet access
- Personal information
- Method of payment
Instructions
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Steps
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Gather all necessary personal information and information regarding your car. You will be asked questions such as date of birth, gender, place of residency, where your car is garaged, limits of coverage desired, driver's license number and court documents.
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Identify why your license is suspended. It may have been revoked due to multiple speeding tickets, liability for an accident when you did not have insurance, drug offenses or felony offenses, to name a few.
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Research online companies that offer an SR-22. Not all insurance companies offer this type of coverage to high-risk applicants, and the requirements and options available will vary from state to state. According to carinsurance.com, states that do not offer or require this coverage include New York, Delaware, Pennsylvania, North Carolina, Oklahoma, Kentucky, Minnesota and New Mexico.
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Apply online or contact the carrier by telephone. You will be required to pay for your coverage before it becomes effective. Do not drive your vehicle or the vehicle of others until you have received your proof of coverage card in the mail. This could take some time, depending on where you live. For example, according to sos.state.il.us, the process in Illinois may take up to 30 days to complete and you are not guaranteed acceptance.
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Tips & Warnings
Be aware of your state's requirements for renewal. Not filing for renewal in the proper time frame may result in the extended suspension of your driver's license.
A complete list of SR-22 information for your state can be found at
sr22filingandinsurance.com.
If you have purchased an SR-22 and move to a different state, you are bound by the obligations in the originating state until the SR-22 expires. You will also be required to maintain the liability limit requirements of the old state while in the new state, as long as your license is suspended.
