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Failure to keep your SR22 insurance can result
in hassles, fines, and even jail time.
While car insurance laws will often vary from state to state, there can be pretty severe legal consequences for
failure to maintain SR22 insurance. Because your car insurance company is required to file the SR22 insurance form
with the state, if your auto insurance coverage lapses, the insurance company is then required to report it. When
you have to maintain SR22 insurance, be very careful not to let your car insurance lapse because it is unlikely that
you will get by undetected.
The first consequence for failure to maintain SR22 insurance is generally having to start the time frame you’re meant
to keep the SR22 insurance all over again. For most people who have to obtain SR-22 insurance, the time that you’re meant
to keep the coverage is for three years. You have to keep it continuously throughout this time and if it lapses, you’ll
have to restart that entire time frame over again. It is important to know that not all states only require that minimum
of 3 years. In Alaska the SR22 requirement is a full 5 years minimum for the first offense and ten for the second, so
you can imagine starting that over again. In most states, if your SR-22 car insurance lapses, you will have to not only
reinstate your insurance, but in some cases your drivers license as well.
Some states have more severe penalties than others for failure to maintain SR22 insurance. For instance, if you’re in Texas,
the Texas Department of Public safety, upon notification of a lapsed, canceled or terminated policy will then initiate law
enforcement action. This usually means that vehicle registration is suspended and the driving privilege is revoked. In
Washington State, the person who was supposed to carry the SR22 insurance won’t be able to apply or reinstate their license
if their policy lapsed or was canceled for any reason before that 3 year period is done, completely and continually. In Florida,
you will lose your car’s tags and registration and your license will be suspended.
In most cases, failure to maintain your SR22 insurance is going to be a hassle. At best, you are still going to have to pay a
fine to the state department of motor vehicles to get your drivers license reinstated. Then you will have to pay the amount
you need to reinstate your auto insurance, and then you will have to pay whatever fines or penalties you incur due to that
lapse in your car insurance coverage. Even if you do not own a vehicle, you are required to carry at least the state minimum
amount of car insurance if an SR22 is required. It is always best to bear in mind that failure to maintain SR22 insurance is
something that will ultimately cost you a lot more money in the long run and may cause other problems with your drivers license.