Why am I required to fill out a SR22 Form for the DMV?

Statistically speaking, the people that are involved in more accidents, property damage and personal injuries are High risk drivers. Some people in this group have also been convicted of offenses and the court has ordered them to submit a SR22 Form to the DMV before they can legally drive again. A SR22 Form is filed with the DMV and shows that you have complied with the court order for the SR22 insurance. The SR22 form requirement is usually for a three year period the SR22 insurance must be in force continuously for the period of time. If it is cancelled, lapsed or terminated at any time during this period the insurance company is required by law to notify the DMV and your period starts all over again.

Although there are several reason why the courts may have ordered you to carry in SR22 form requirement, the most frequent are DUI, multiple speeding tickets and not being able to prove financial responsibility. The penalty for 2nd and 3rd offense DUI’s  will carry longer SR22 periods and larger fines and possible jail time. In fact, in Alaska, the court can impose a lifetime requirement for multiple DUI convictions.

Drunk driving charges can go under several names and include both alcohol and/ or drugs they are: Driving under the influence, (DUI) Driving while intoxicated, (DWI) Operating under the influence, (OUI) Operating while intoxicated, (OWI) Driving under the influence of intoxicants, (DUII) Driving while under the influence (DWUI)

Once you have been convicted of a DUI the court may require that you carry SR22 insurance and your insurance company will have to fill a SR22 form. The insurance companies will price your insurance according to the high risk group rating that you will now carry. Some insurance companies do not want to underwrite SR22 risk drivers but many of the major companies do write it. SR22 risk drivers but many of the major companies do write it. You will need to find out if the company that you are talking to writes SR22 insurance. The easiest way to do a mass screening to find insurance companies that want to write high risk insurance is to use the internet and get quotes from multiple top rated insurance companies. Once you have received your quotes, and this usually take about three minutes, you can line up the quotes and compare the quotes side by side. Easy huh?

No need to spend hours on the phone trying to get find SR22 insurance. Nor is there a need to repeat and relive “your story” again and again. Internet has made things easy for you, no delays, no long waits, and frustrations. Just eneter your zip code, you will have as many quotes as you would like.

In closing, I would like to remind you that you can save over $500 on car insurance. Look at the top of this article and no matter where you live, receive free, instant quotes, from multiple carriers in your area. Get 5-15 company rates in less than 2 -3 minutes, and remember it is free.