If you have too many moving violations, a DUI or have received a no insuranceticket– you may need to file an SR-22 to save or reinstate your driving privilege.

Your insurance company SR-22 form filing will prove to the State Department of Motor Vehicles (DMV) that you have at least a current state minimumcar insurance policy to legally drive.

Here’s what you need to know.

What is the SR-22?

Contrary to popular belief, the SR-22 is not a type of insurance. This is actually a form you have to file with your car insurance company for high-risk drivers. The SR-22 is proof that you have the minimum liability car insurance required by your state. It is filed on your behalf by your insurance company and sent to your state’s DMV.

All states require minimum liability auto insurance also known as Financial Responsibility, covering bodily injury and property damage due to an accident you cause. The SR-22 assures the DMV that drivers are adequately insured. If the policy lapses, the insurance company issues an SR-26 form to let the DMV know the policy has lapsed. The individual asked to provide this, is a driver who has a specific conviction or offense and is needing to avoid a suspended driver license or to reinstate one. They may have had a DUI, convicted of reckless driving or been convicted of driving without insurance.

Who needs an SR-22?

Contact your state’s DMV to verify if you need to file an SR-22.

You usually need the sr22 insurance SR-22 form in the following cases:

You have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI).

You have received a ticket for driving without insurance.

Ticketed for driving when your license is suspended or revoked.

Distracted driving ticket.

You have received too many tickets in a short time.

What is the purpose of an SR-22?

The SR-22 certifies that you have auto insurance and is currently in force in the state your licensed is issued. Drivers penalized for DUI, drivers with high points on their driving record, or those caught driving uninsured must file an SR-22 before being eligible for reinstating a suspended driver license.

How to file an SR-22

To get an SR-22, you must first contact your car insurance company and tell them that you need an SR-22. The insurance company will likely ask you why you need the SR-22. Not all auto insurance companies will file an SR-22, if your insurance company does. You will pay them a fee and theywill send the completed SR-22 form to your and the State Department of Motor Vehicles.

You will pay the state all reinstatement fees and fines.

Your insurance company may even cancel your policy if it doesn’t insure high-risk drivers. This means you need to seek insurance with a company that does. Based on the conviction.

While the SR-22 filing fee varies by state, you should expect an average of at least $25. In addition, many insurance companies require SR-22 holders to pay for the full term of the insurance policy, either six months or one year after issuance.  You may be required to keep an SR-22 filed for up to three years.