Simply put, SR22 is required when you violate one or more of the the following offenses:
- Driving without insurance
- Driving while intoxicated (this refers to alcohol)
- Driving while under the influence of a controlled substance (this refers to drugs)
- Possession of a controlled substance (this refers to many substances such as marijuana, heroin, cocaine, and more)
This does not list all of the violations that require SR22 but only the most common.
How long are you required to maintain SR22 Insurance?
SR22 insurance is typically required for over two years. You will have to maintain SR22 insurance and if your coverage ever lapses your insurance company will notify the state and you will have your license suspended. You are expected to maintain SR22 coverage for the entirety of your requirements. This means even if you move to a different state you will need to keep SR22 insurance until the end of your requirement.
Your license should be reinstated after purchasing SR22 Insurance.
After purchasing an SR22 the insurance company files a document with your states DMV to show proof of insurance. When the DMV has your SR22 on file your license may be reinstated and you should be free to drive again. Remember, SR22 Insurance is not vehicular insurance, you will still need to maintain insurance on your vehicle to be within your states requirement.
SR22 Insurance varies from state to state.
Also keep in mind that SR22 insurance requirements vary from state to state. You should always check with your states DMV to see if there are any requirements you need to fulfill not listed here. Some states don’t require SR22 Insurance. If you’re required to maintain coverage and then move to a non SR22 state you will still have to maintain the requirements from where your offense was located.