If you commit a driving violation, you might have to get a SR-22. When you do, you\u2019ll have to keep a car insurance policy active and linked to the SR-22. If you let your coverage lapse, then you could face significant penalties. SR-22s impose more stringent requirements on drivers than a simple rule to carry insurance. Here\u2019s why.<\/p>\n
An SR-22 is a certificate that is form of driving penalty. States use them to force certain drivers to keep and maintain car insurance for a certain time. When you have a penalty, an SR-22 certificate will go on file with your state\u2019s DMV. During this penalty, if your insurance policy lapses, the DMV will receive notification. They will then usually penalize you further because you broke an existing penalty.<\/p>\n
You usually have to get SR-22s because you committed serious driving offenses. These might include things like getting DUIs, driving without a license or existing insurance, or causing wrecks. You have to carry insurance anyway, by law, but the SR-22 will make doubly certain that offenders do so. The reason you\u2019ll have to prove coverage is because, due to offenses on your record, the state will label you a high-risk driver. Therefore, the necessity <\/em>for you to have insurance will increase.<\/p>\n The thing is that SR-22s take work. You can\u2019t simply attach a certificate to your policy and forget about it. You\u2019ll have to keep your auto insurance active for the duration of the penalty. If you don\u2019t you might face serious ramifications.<\/p>\n In most cases, your SR-22 will expire after a period of two or three years. As long as you have the penalty, however, you must keep the form active. That means keeping your car insurance active also. If you fail to do so, you might face many hurdles, including:<\/p>\nPenalties for Expired SR-22s<\/h2>\n
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