How to Get an SR22 Removed
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UPDATED: Jun 21, 2021
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- Choosing not to file your SR22 can lead to serious consequences, such as having your driver’s license suspended or revoked, suspension of your vehicle registration, substantial fines and fees
- Your auto insurance provider can file the SR22 form on for you
- States set different periods on how long an SR22 will take effect on the driver
Drivers who commit a serious traffic violation may be forced to file an SR22 form with their insurance companies, as well as the state’s department of motor vehicles. Having an SR22 form on file with your auto insurer can lead to an increase in your monthly premium. However, your SR22 status doesn’t last forever, and you can get it removed to make your car insurance experience smoother.
If you or someone you know was ordered to file an SR22 form after a traffic violation, follow this quick guide to learn everything about removing an SR22 the proper way.
What is an SR22 and How Do You Get It?
What is an SR22 anyways? An SR 22 insurance is an official document that you might have to file with your state’s department of vehicles by way of your auto insurance company. Your auto insurance company has to be involved because the SR22 exists as proof that you are maintaining your state’s minimum amount of liability insurance.
The SR22 is commonly referred to as “SR22 insurance,” but it is not a unique kind of insurance policy, only an official record of your existing policy. Other common names for the SR22 include:
- Certificate of financial responsibility
- SR22 form
- SR22 bond
Often, drivers are ordered either in traffic court or via letter from the department of motor vehicles to file the SR22. Typically, this action is taken following a substantial traffic incident. That said, there are some instances where SR22 forms are ordered due to a non-driving incident, such as failure to pay court-ordered child support.
Some of the more common reasons why drivers are compelled to file the SR22 include:
- Being convicted of a DUI or DWI
- Driving without a license or driving with a suspended license
- Causing an accident without having the legally required minimum car insurance policy
- Receiving too many traffic tickets within a short period of time
How to File Your SR22
Once you are ordered to file the SR 22 coverage, your first step should be to contact your auto insurance company. If your insurer offers SR22 services, they should be able to easily file the form on your behalf and add your SR22 status as an amendment to your existing policy. This may cause an increase in your monthly premium so make sure you get answers to questions like ‘how much does SR22 insurance cost a month’ and ‘how long does SR22 last’ to get an accurate estimate of the cost
If your auto insurance company doesn’t offer policies to high-risk drivers (which you will be considered for the length of your SR22 status), you may have to shop around for another insurer that is equipped to help you with your SR22.
Choosing not to file your SR22 can lead to serious consequences, such as:
- Having your driver’s license suspended or revoked
- Suspension of your vehicle registration
- Substantial fines and fees
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How to Get SR22 Removed
Individual states set their own terms for how long the SR22 coverage status must stay in effect for each driver. In general, the required period is somewhere between three and five years.1 To be sure, contact your state’s department of motor vehicles.
It’s important to remember that your SR22 does not come off the books automatically. Once you find out the exact date that your SR22 status can be lifted, you should reach out to your insurance company when the date approaches. Just like when you filed the SR22, removing the SR22 requires the resources of an auto insurance company, and cannot be done on your own. Your insurer will cancel the SR22 insurance coverage on your behalf, and notify the state that they’ve done so.
If you try to cancel your SR22 at any time before the required SR22 filing period has expired, you could face the same consequences as if you had never filed at all.
Cancelling the SR22 When Switching Insurance Companies
Let’s say you’re one year into a three year SR22 status, but you want to switch insurance companies because you found a better policy with lower rates. If you cancel your old policy before the new one begins, this could cause a lapse in your SR22 coverage. If the state becomes aware of this lapse, you could be in trouble. To avoid this, wait a few days after your new policy begins to cancel your old policy.
Discover Your New Auto Insurance Policy Today
Whether you need to find an insurer to help you file the SR22 certificate, or you’re just tired of paying the same sky-high premiums every month, comparing auto insurance quotes online is a fast and effective way to discover potential savings. The days of calling up brokers or visiting insurance offices in person are a thing of the past.
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