An SR-22 is a special proof of insurance form you need to show the DMV before you can get your license back after a DUI suspension.
Getting your license suspended for a DUI is hard enough. But even when you’ve completed the suspension, you don’t automatically get it back. Instead, you have to re-apply for the license and provide proof that you completed certain conditions.
One of the most expensive conditions is known as form SR-22, which will be explained in more detail below.
What Is an SR-22 Form?
An SR-22 is essentially just proof of insurance. All California drivers are required to have car insurance, so the DMV is careful not to re-issue a license unless you have evidence that you carry auto insurance. But an SR-22 is different from typical car insurance.
An SR-22 form shows that your insurance company knows you had a DUI. It’s a particular insurance form issued to drivers who have had severe infractions like drunk driving to verify that the insurer and the DMV have done their due diligence.
Situations when you might be required to obtain an SR-22 form include:
- Getting your driver’s license reinstated following a DUI charge
- Being involved in an accident where you were driving without insurance
- Seeking a reinstatement following your license suspension due to negligent actions
If you obtain an SR-22 form due to any of these events, you will be required to keep this form on file for a given number of years.
How Do You Obtain an SR-22 Form?
The only way to get an SR-22 is to tell your insurance company that you had a DUI. And once they know that, they will raise your rates. In some cases, they may simply cancel your insurance altogether, and you’ll have to find another insurance company.
Either way, this means that:
- Your insurance premiums will be higher
- You no longer qualify for good driver discounts
Once you tell your insurance company about your DUI, they will access the necessary records and cancel your policy or issue you this certificate. You will then be provided with the form from your insurance company.
If your insurance company cancels your policy because they deemed you an at-risk driver, you will need to reach out to other insurance companies and seek out an SR-22 form. However, expect high premiums and full coverage.
What Is the Cost of an SR-22 Form?
Unfortunately, this form is very costly. Many states require you to pay a flat fee; however, other states might request a surcharge. Generally, the cost to get your license reinstated is around $125.
Additionally, when filing this form, there is a fee that you must pay as well. This fee typically will cost anywhere from $25 to $50.
How Long Is an SR-22 Valid for?
This form will be valid as long as your insurance policy stays valid. However, if your insurance policy is canceled and you are still carrying this form, every insurance company must notify the proper authorities.
In some cases, if you don’t maintain continuous coverage, you could lose your driving privileges.
Want More Information?
Have you been charged with DUI? You can learn more about insurance after a DUI by reaching out to our team. We can explain how long a DUI may affect your insurance or how to get your driver’s license reinstated after a DUI.
We can connect you with an experienced Los Angeles DUI lawyer in California and schedule your FREE consultation. Contact us today to get started.