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If you have been involved in an auto accident, you will likely have to fill out an SR-22 form.
This form is a Certificate of Financial Responsibility.It’s a means of verifying that you are protected through your car insurance liability coverage. It is a state-mandated form filed with the Department of Motor Vehicles by your insurance provider.
Let’s take a closer look at the SR-22 and what you need to know about it.
Who needs to obtain an SR-22?
SR-22 forms are necessary whenever a person who was involved in an auto accident or convicted of a traffic offense is unable to demonstrate financial responsibility. Specific examples of situations that call for an SR-22 are when an individual:
- Was driving without auto insurance
- Was charged with driving under the influence (DUI) or any serious moving violation
- Was at fault for an accident while driving without car insurance coverage
- Committed repeat traffic offenses or was issued several tickets within a short amount of time
- Was driving on a suspended or revoked license
How much does an SR-22 cost?
The cost of an SR-22 depends on the location and the car insurance company in question. Typically, insurance companies charge between $15 and $25 to file the form with the DMV. However, you will need to have an insurance policy before you are able to get an SR-22.This means that if you were driving without insurance there will be a fairly high upfront cost. This is partly because insurance companies consider drivers who need an SR-22 a riskier insurance liability.
Therefore, you should shop around as much as possible, but with the understanding that cheaper rates are not always better in the long term.
How to obtain and maintain an SR-22
To get an SR-22, you will have to go through your insurance company. Most states require drivers to carry SR-22 insurance for at least three years. In that time, you must maintain continuous coverage, as any cancellations or lapses will require your insurance provider to inform the DMV. The agency will then likely suspend your driver’s license.
How to avoid needing an SR-22
Avoiding the need for an SR-22 form is easy—just maintain your car insurance coverage and drive as safely as possible. Never get behind the wheel while under the influence of drugs or alcohol, do not commit any moving violations and always carry a proof of insurance form either on your person or in your vehicle.IF you do, however, end up being charged with a DUI, fight the case with The NoVa Law Firm.Winning your case will eliminate the need for an SR-22. Follow these steps and you’ll never need to worry about obtaining an SR-22 form.
If you have additional questions regarding the Certificate of Financial Responsibility, its importance and how you can obtain one, speak with a knowledgeable Fairfax County criminal defense attorney at The NoVa Law Firm.