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What is an SR-22 form, and why do you need one? Without the right insurance coverage and forms filed, you cannot operate a motor vehicle of any kind. If you get pulled over and haven’t filed this form, you are not in compliance with local laws.

This form is required of certain people with certain issues that include:

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  • DWI or DUI convictions
  • Going over a certain amount of traffic violations quickly
  • Getting caught driving with a suspended or revoked license.
  • Major moving violation convictions
Procedure on How to File an SR-22 Form or Insurance
Violating Traffic Rules, DUI, and Suspended License Casuse You Filing SR-22

Different circumstances vary by what state you live in, which makes this form a requirement. You will generally be told by your state’s court system that you must fill out and turn in this form.

What do you need to do to ensure you go through the process correctly?

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Once you are told that you must file this form by the courts or your state, you must talk to your insurance company. You may have to pay for a policy upfront in full instead of being able to pay monthly if you don’t have insurance yet. When you are seen as a risk for the company to work with,, it can make driving more expensive.

Rates whether you have a policy or need a new one are going to rise. If you have had a high frequency of incidents then the amount you have to pay will be much higher than if you just got in trouble one time.

If you switch providers, you must file the form again until you can legally drive. When you’re unable to pay for your coverage, then it may cause you to have your license revoked. Always be honest, let providers know you have had trouble, and ask them for guidance if you have any questions regarding the form-filling process.

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Author

Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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