What happens if SR-22 lapses?

Coverage lapse results in immediate notification to DMV and possible license suspension.

When your SR-22 insurance policy lapses, it means you no longer meet the legal assurance of financial responsibility required by the state. An SR-22 is a certificate of financial responsibility, often required after certain traffic infractions such as a DUI. If your insurance coverage lapses, your insurer is required by law to inform the Department of Motor Vehicles (DMV) immediately. This immediate notification can lead to the suspension of your driving privileges. The DMV may suspend your driver's license and vehicle registration until you reinstate your SR-22 policy, potentially resulting in additional fees and legal implications. Restoring your SR-22 can also increase your insurance premiums as maintaining coverage is crucial to proving that you adhere to state laws.

Imagine you've been required to have SR-22 insurance following a traffic violation like a DUI. You accidentally miss a payment and your SR-22 policy lapses. Your insurance company notifies the DMV about the lapse. As a result, you receive a notice from the DMV indicating that your driver's license has been suspended. You are now unable to legally drive until you get your SR-22 reinstated and pay any associated fines or fees to the DMV to lift the suspension. This process not only affects your ability to commute but also adds unexpected expenses to your financial responsibilities.

To avoid the complications that arise from an SR-22 lapse, it's crucial to stay on top of your insurance payments. Set up automatic payments or reminders to ensure you never miss a due date. Regularly check in with your insurance provider about your policy status, especially if you're changing addresses or payment methods. Keep a close eye on any communication from your insurer or the DMV to stay informed about your compliance with SR-22 requirements. Additionally, maintaining good driving habits can prevent further violations that might require an SR-22 and increase your overall insurance costs.