Can You Get Rid Of SR22 Car Insurance?
SR22 car insurance is often reserved for serious offenses. Most drivers who are required to have SR22 insurance view it as an inconvenience. It denotes that you are a high-risk driver. If you have one of these, you'll want it off of your record as soon as possible.
How Long Does SR22 Car Insurance Stay on Your Record?
Typically, SR22 insurance will last three years in most states. In some states, the filing period can extend to five years. Ensure that you observe caution during the filing period. If you forget to renew your insurance during the filing period, your auto insurance provider may report to the DMV. Your license may be suspended.
Also, if you commit another offense during the filing period, you will have to fill your SR22 insurance form again. This will extend the filing period by several years. Therefore, during the filing period, don't speed, drive under the influence, or drive while distracted.
Once your filing period lapses, don't forget to notify your auto insurance provider that you don't need it. The SR22 insurance doesn't go away automatically even after the requirement ends.
Does SR22 Car Insurance Follow You to Another State?
What happens to your SR22 insurance requirement once you relocate to another state? Can you drop the requirement? No, you can't drop your SR22 insurance when you move to a new state. You don't get a clean slate simply by relocating. Your SR22 insurance requirement will remain on your DMV record until the period lapses and you follow the procedure to remove it.
If you fail to make payments, the state will likely suspend your license, and you will have trouble obtaining auto insurance or even a driver's license in your new state. The state has a way to ensure you remain compliant.
It starts with the insurance company that filed your SR22 insurance form. Once you stop making payments, the company will file an SR26 form, and your original state will then suspend your license. The state will also notify other states, making it hard to start over in another state.
You might also receive penalties, fines, or even jail time. Therefore, if you intend to relocate to a new state, don't forget to notify your current insurance provider to help you stay in compliance. Also, try to improve your driving skills by taking a defensive driving course. This can help reduce your risk and avoid additional SR22 extensions.
Talk to your insurance provider if you have questions about SR22 insurance.
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