An SR-22 filing is a certificate or case issued by an Car insurance corporation to the community Branch of Motor Vehicles which certifies that a Chauffeur has Car insurance in deposit which meets the territory's minimum liability limits.
Function
Upon a Chauffeur's requisition, an motorcar insurance business Testament string an SR-22 with the country Branch of Engine Vehicles when insurance has been acquired. The filing serves as evaluation that the diagnostic has purchased car insurance which meets the minimum liability requirements for that specific governance. Basically, it is a certification providing the Chauffeur's financial boundness in the fact of an accident. You arrange not commitment to own a machine to want an SR-22.
Individual State Requirements
SR-22 requirements vary from sovereign state to community. There is no habitual requirement. Some states, close Advanced York and North Carolina, discharge not desire an SR-22. On the other hand, many other states including California and Alaska achieve crave it, and the equable of coverage for minimum liability varies within those states.
Provided a Chauffeur acquires an SR-22 form in a state which requires it, and subsequently moves to a state which does not, the driver must still continue that coverage until the SR-22 filing period has ended. For instance, if a driver resides in a state which requires a higher level of minimum liability coverage and then moves to a state with a lower level of required coverage, that higher level of coverage must be maintained until the window of requirement ends.
When is an SR-22 required?
SR-22 required for high risk drivers.
An SR-22 filing is required when a driver is involved in an automobile accident and does not have sufficient liability insurance in place at the time of the accident. Driving with a suspended license and traffic violations for lack of insurance are also common reasons why an SR-22 filing may be required by the state Department of Motor Vehicles. A judge may order a driver to acquire an SR-22 extremely.
The purpose of an SR-22 filing is to ensure that a driver maintains a sufficient level of coverage for a specific time period, typically three years. This proves that the driver has insurance and has kept current with their insurance payments. A lapse in insurance, or a cancellation of the automobile insurance, will result in the auto insurance company filing an SR-26 to show that the driver is no longer carrying sufficient insurance with the company.
Law enforcement does not require nor check to make sure the driver has an SR-22. An SR-22 form is not required to be in the vehicle while driving.
