Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent Rachael Brennan

UPDATED: Nov 2, 2020

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Understanding The DMV SR-22 Form

Certain people may be required to file a DMV SR-22 form. While this form is not technically a form of
insurance, it does verify that you have purchased at least the required amount of insurance in your case.
It also verifies to the DMV that you are continuously carrying that insurance.

If you have been required to file the DMV SR-22 form, you may be required to do so for at least
three years on the first offense. Depending on your state and offense, this time frame may be greater.
Failure to maintain insurance or a lapse in coverage is reported by the insurance carrier to the DMV
and can result in a longer time frame required. In addition to that, other penalties may apply, again,
depending on the state.

Depending on your status as a driver, you will need one of three different types of SR-22 insurance
forms. This will either be the Owner’s Certificate, the Operator’s Certificate, or the Owner-Operator’s
Certificate. If you own the vehicle you intend to drive, you will need the Owner’s Certificate, if you
do not own a vehicle but still intend to drive, you will need the Operator’s Certificate. The Owner-Operator’s
Certificate is used in cases when someone both owns a vehicle but also drives vehicles they do not own.

DMV SR-22 forms are usually required in cases where:

-A driver has been convicted of driving without insurance.

-Too many traffic violations in a short period of time, or repeat traffic offenses.

-Serious moving violations, DUI or DWI.

-Not having insurance in the event of an at-fault accident.

-As a part of the reinstatement process for a suspended or revoked license. In some states, this can be true of cases where suspension
was the result of multiple traffic infractions, or even being behind on child support payments.

In the case of the DMV SR-22 form being required as per terms of suspension or license revocation, this will
usually transcend all classes of licenses and you will not be able to be licensed for any class drivers license
until the requirements are met.

If you are required to file the DMV SR-22 form in one state, but move to another state, you will still have to abide
by the requirements of the previous state. This is true even if you move to a state where SR-22 forms are not required.
In order to file an SR-22 insurance form, you will need to contact an insurance carrier that is authorized to file them,
and pay a fee. The fee is generally from fifteen to twenty five dollars. You will not have to pay the filing fee with
your state unless you allow coverage to lapse or drop. Filing a DMV SR-22 form is generally done via your insurance
carrier, and, as long as you maintain coverage during the time specified, you will fulfill your responsibility. Fill
out your information to find great rates and more information about DMV SR-22 form filing, now!