What is an SR-22 Insurance Policy and Who Needs One?
If you have ever been convicted of a serious traffic violation, such as driving under the influence (DUI) or reckless driving, you may have been required to obtain an SR-22 insurance policy. An SR-22 is a certificate of financial responsibility that is filed with the state by your insurance company. It proves that you have the minimum amount of liability insurance required by law.
Who Needs an SR-22?
In Virginia, you are required to have an SR-22 if you have been convicted of any of the following offenses:
DUI
Reckless driving
Driving without insurance
Leaving the scene of an accident
Driving with a suspended or revoked license
How to Obtain an SR-22
To obtain an SR-22, you must first contact your insurance company. They will ask you for proof of your conviction, such as a copy of your court order. Once you have provided the necessary documentation, your insurance company will file the SR-22 with the state.
How Long Do I Need to Keep an SR-22?
The length of time that you are required to keep an SR-22 depends on the state in which you live. In Virginia, you must keep an SR-22 for three years from the date of your conviction.
What Happens if I Don’t Have an SR-22?
If you are required to have an SR-22 and you do not obtain one, your license will be suspended. You may also be fined and jailed.
How Can I Get Help?
If you need help with the process of obtaining an SR-22, you can contact the Virginia Department of Motor Vehicles (DMV). The DMV can provide you with more information about SR-22 requirements and help you understand your options.
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