in order to reinstate your licence, you must pay a reinstatement fee and any other fines associated with your driving record. After paying for your low-cost SR-22 insurance, you will be able to have the form faxed immediately so you can restore your insurance immediately. You must go to the DMV with the form in order to have your license reinstated. However, you are required to maintain SR22 insurance for a specified period. Typically, this time frame is between one and three years, but it's important to keep it as long as necessary to avoid further charges.
Filing the form costs on average between $17 and $45 depending on your state. Now, since your insurance company is responsible for submitting the actual file, they take that fee when the filing is done and then they will bill you regardless or add the cost to your next insurance bill. In some cases
, you may be required to have SR-22 insurance for multiple years, in which case you only pay a fee once to have it filed the first time. When your insurance renews the form each year, there is no additional charge. However, be aware that if there is a delay—meaning you have not requested the renewal be processed in time— you will have to pay again because you will need new proof of coverage.
generally, you will need to have this certificate of coverage for three years. However, the actual duration depends on:
if, for example, you need to get an SR-22 for a serious impaired driving violation, they might need it for five years. If there was a less dangerous reason, it could be only 2 years. Coverage remains valid as long as you maintain your insurance policy.
If for any reason you cancel this policy or if there has been a delay between renewals, your auto insurance will notify your state authorities. They will then "pause", so to speak, the total amount of time you need to carry., so, for example, if you are asked to have SR-22 for 3 years, but cancel your policy d coverage after 2 years, the state will likely suspend your license if it was previously suspended. Moreover, they will then press a figurative break on that three-year mark and once you decide to buy a new insurance policy in the future, they will start it again. If you wait a year to purchase new insurance, you must pay for SR-22 for one more year after purchasing the new policy.
the length of time you are required by your state to purchase insurance may be extended if, during that time, you have a car accident or traffic violation. The courts can extend the time you need this insurance, which can increase the cost of your insurance. The reason the cost increases is that additional violations tell your insurance that you are a high-risk driver.
once you have completed the time required to have this insurance, your auto insurance must file a form to complete it. This is Form SR26., If you choose to file AAMVA electronically, this will happen automatically when the required time is up.
