Everyone is required by law to purchase auto liability insurance (with an assortment of additional coverage options). If you’re caught without a valid policy, your license could be suspended until you file an SR-22 form, which offers proof of coverage for a specified length of time. Some other instances that may lead to filing an SR-22 form include:
- DUI or DWI conviction
- Numerous tickets and/or accidents in a short time span
- Driving with a suspended or revoked license
- Reckless driving
If you’re informed that you must file for SR-22 status, what comes next? The first step is to contact your insurance provider and ask for an SR-22 form. If you’re not currently insured, your insurer may require you to buy a policy and pay for the full term before filing for SR-22 status. In addition, filing an SR-22 form usually costs about $25.
Once you’ve purchased an auto policy and submitted your SR-22 form, your insurer will file the document with the Department of Motor Vehicles. At this point, you will likely regain your driving privileges if they were revoked. Remember to refile a new SR-22 form if you switch insurance providers or move to another state.
How will an SR-22 status affect you? This status basically signifies that you’re a risky driver, which can cause your auto insurance premium to increase drastically. However, if you prove that you’re a safe driver by avoiding tickets and accidents over the years, that rate can come back down. During this time, you will remain in a database that allows the police to monitor you for any further violations.
Depending on the severity of your driving offense(s), you will be required to maintain your SR-22 status anywhere from one to five years, during which you must maintain auto coverage. If you cancel for any reason, or cause a coverage lapse by neglecting to pay, your insurance provider will notify the DMV. The result is often the suspension or revocation of your driver’s license.
Everyone makes mistakes; we’re here to help you through them. Call Prestige Insurance Group at (305) 969-8776 for more information on Miami SR-22 insurance.