Insurance is not always plain and simple. Each state tends to have its own rules, regulations and costs to deal with. Understanding every piece of insurance is almost a waste of time unless it affects you. And when it comes to an SR22 form, you are going to want to educate yourself quickly.
An SR22 form is by no means something you want, but when issued such insurance you really have no choice. If you have been arrested or convicted for an array of different reasons, you may be required to carry an SR22. This can range from a DUI or DWI to having multiple traffic offenses, driving without insurance or being at fault in an accident without insurance.
People often think they can get away from the form simply by switching insurance companies in the middle. While you can certainly switch companies, this is not going to rid you of the insurance. However, it can be a way to find a lower rate by shopping around. The key is making sure there is no lapse of coverage while ensuring the new company has all of the SR22 filing information needed.
Believe it or not, SR22 insurance is not valid in multiple states. It is specific to the state in which the violation occurred. If you end up moving in the middle of your suspension, you still have to keep the policy from the old state until you transfer it over. And if the new state does not require an SR22 form, you must keep it from the previous state.
For those who have multiple vehicles, there typically is no need to have a form for all vehicles. Most states just want to know that you have proper liability coverage. When adding this form to the table, usually it is included with just one vehicle to prove you have liability protection in that state.
As you file, your insurance company is going to electronically submit it to the state motor vehicle department. While you personally will not receive a copy of the form, you will have your proof of insurance and that has the policy number and vehicle information on it. If you were to get pulled over for a traffic violation, the officer can see your filing by looking at it online.
The biggest question of all to those tied down by an SR22 form is when can it be cancelled? Most states require you to have the insurance for three years after the last day of your suspension period. However, this can vary from state to state. This makes it ever so crucial you check with an insurance agent or company.