1. Why do I need an SR 22 filing for my car insurance?

Usually SR 22 filing for car insuranceis required if you mess up royally on the road, usually if you get a ticket for speeding or if you get taken in for drunk driving and you are convicted. It’s not always something bad, though. Several states who are on the stricter side of car insurance law manadate SR 22 filing for everyone. Have a lapse of your coverage even for a day in one of those states, like New York, and you could risk fines or even the suspension of your license. Yikes!

2. Who does the SR 22 filing?

It depends on where you’re at or what your case demands. Normally, the car insurance company will do the SR 22 filing. You just need to tell them that you need it. However, that is not the case with everybody. Now and then you will have to take the SR 22 form up to the driver’s license office yourself. If this is the case, call your car insurance company and ask for them to mail you a copy of the form they have already filed. If you’re on a time limit, your company might offer it on their website.

3. How long do I have to file SR 22?

It depends on your case.

4. How long does SR 22 stay on my record?

It usually stays around three years, but in some cases it can stay up to five years. After five years, though, it falls off of your driving record and will no longer affect your car insurance rates.

5. Can the company I’m with right now do SR 22 filing?

That’s entirely up to them. It’s often the case that if you get a drunk driving conviction or a speeding ticket, you’ll get your car insurance policy cancelled. This can’t be avoided. If this happens, you will have to shop around for another company. There are companies that specialize in customers who have high risk qualities such as DUIs or high performance cars.

Cheers,

Fashun Guadarrama.