What is an SR-22 Form and Why Might You Need One?
An SR-22 form, often referred to as a “Certificate of Financial Responsibility,” is a document that your insurance company files with your state’s Department of Motor Vehicles (DMV). It’s a way for the state to verify that you have the minimum required auto insurance coverage. While it’s not an insurance policy itself, an SR-22 serves as proof that you meet your state’s insurance requirements after certain driving violations.
Who Needs an SR-22?
Not everyone needs an SR-22 form. Typically, it’s required for drivers who have been involved in serious traffic violations or have demonstrated risky behavior on the road. Here are some common reasons why you might need an SR-22:
- DUI or DWI Convictions: If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), an SR-22 is often required to reinstate your driving privileges.
- Driving Without Insurance: Being caught driving without the minimum required auto insurance can lead to an SR-22 requirement.
- Multiple Traffic Offenses: Accumulating several traffic violations in a short period, such as multiple speeding tickets, can trigger the need for an SR-22.
- At-Fault Accidents: If you’ve been involved in multiple at-fault accidents, your state may require an SR-22 to prove you have the necessary coverage moving forward.
- Failure to Pay Child Support: In some states, failure to pay court-ordered child support can lead to a suspension of your driver’s license and require an SR-22 to reinstate it.
- Hardship License: If your license has been suspended or revoked, you might need a hardship license, which allows limited driving privileges. In these cases, an SR-22 may be required to demonstrate you have proper insurance coverage.
How Do You Obtain an SR-22?
Obtaining an SR-22 is a relatively straightforward process, but it depends on your insurance provider. If your current insurer offers SR-22 filings, simply contact them, and they will handle the paperwork. They will add the SR-22 endorsement to your existing policy and file the necessary documents with the state.
If you do not have auto insurance or if your current insurer does not offer SR-22 filings, you will need to find a new insurance provider that does. Some insurers specialize in high-risk drivers and can help you get the SR-22 you need. Be sure to let potential insurers know upfront that you need an SR-22 to save time and avoid confusion.
What if I Need an SR-22 and Don’t Own a Car?
If you need an SR-22 but do not own a vehicle, you will require a “Named Non-Owner Coverage Endorsement” along with your SR-22. This type of policy provides liability coverage for drivers who do not own a car but still need to fulfill the state’s insurance requirements. This ensures that you are covered under your state’s liability requirements whenever you drive someone else’s vehicle. You can work with an insurance agent to get a policy that includes an SR-22 even if you don’t have a car.
How Much Does an SR-22 Cost?
Filing an SR-22 form typically costs around $25, but this fee can vary depending on your state and insurance company. The filing fee is usually included in your insurance policy’s cost. Additionally, because an SR-22 is often required for high-risk drivers, you might see an increase in your insurance premiums. The extent of this increase depends on several factors, including your location, driving record, and the type of vehicle you drive.
What Happens if My SR-22 Expires?
You may need to file an SR-22 form to reinstate your driving privileges after certain suspensions or revocations. An SR-22 requires your insurance company to inform the DMV if your policy is canceled. Keep in mind that the SR-22 is not an insurance policy itself. If your SR-22 is not maintained, your insurance company will notify the Motor Vehicle Division that it is no longer valid, even if it is still required. This can result in your driver’s license being suspended.
Once you have insurance with an SR-22 endorsement, the form must be submitted to the Colorado Division of Motor Vehicles. You can upload the SR-22 form online at myDMV.Colorado.gov by finding the “View/Upload Reinstatement Documents” link under the Driver/ID Services tab. You can also mail it in with the Application for Reinstatement (Form DR 2870) and any other required documents for reinstatement.
How Long Do You Need to Have an SR-22?
The duration for which you need an SR-22 depends on your state’s requirements, but it typically ranges from three to five years. It’s important to maintain continuous insurance coverage during this period because if your policy lapses or is canceled, your insurer is obligated to notify the DMV, which can result in a suspended license.
How Do You Remove an SR-22?
Once the SR-22 is no longer required, it won’t automatically be removed from your insurance policy. You must contact your insurance provider to have it taken off. After the SR-22 is removed, you may see a decrease in your insurance rates if they increased due to the filing. However, this reduction is not guaranteed and will depend on your overall driving history and other factors.
Work With Bruno Lilly LeClere Today
Facing DUI or DWI charges in Colorado can be overwhelming and frightening. The consequences of a conviction can be severe, affecting your freedom, finances, and future opportunities. At Bruno Lilly LeClere, PLLC, we understand what’s at stake for you. Our experienced team of criminal defense attorneys is dedicated to providing personalized and aggressive representation to protect your rights. We have a deep understanding of Colorado’s DUI laws and know how to navigate the complexities of the legal system. Call us today at (720) 340-1373 or contact us online for a free consultation.