Getting Traffic Violation Ticket While On SR22

Getting Traffic Violation Ticket While On SR22 – When an officer of the law writes you a ticket while having an SR 22 on your insurance, the violation itself will have no effect on your license, but your insurance premium may go up.

An SR 22 is a special indication that is required by certain individuals who wish to maintain a driver’s license. These specific individuals are those who:

  • Have been given a DUI
  • Have been given a DWI
  • Were found to have no insurance or driver’s license
  • Were involved in an accident and were found to have no insurance or driver’s license
  • Were issued a high volume of traffic tickets
  • Had their driver’s license suspended or revoked

The purpose of an SR 22 is to allow an insurance company the opportunity to inform the state that the driver or license holder has obtained financial responsibility or automobile insurance for their vehicle.

If any of the above have occurred, a state’s DMV will require a driver or license holder to obtain an SR 22 in order to continue enjoying their driving privileges.

The best way to determine whether or not you need an SR 22 is to contact your insurance company or the state’s DMV. Most individuals needing an SR 22 are typically notified by the court as a court order and should contact their insurance company to find out the next steps so that your insurance company can file letting the state know that you have obtained it.

The rising of insurance rates is completely varied per the violation.

Note that, the SR 22 is by no way in conjunction with an actual insurance policy. It is, instead, an attachment to a policy so that the state is informed that you are in possession of the required insurance dependent upon your state’s requirements per the violation.

The SR 22 holder will be permitted by the state to drive with a license that is restricted. The restrictions listed on your license will vary per state, but, will typically require that you drive during certain hours.

If it is required by an individual’s personal life that they be permitted to drive, they may have to discuss the reasoning behind why, whether to maintain employment, caring of the young or elder, grocery shopping and the like. Having an SR 22 does not guarantee that you are able to drive, the judge or a DMV representative will inform you of what you are eligible for depending on your needs, level of violation and state in which you reside.

Keep in mind, that there are insurance companies who will not issue SR-22s as those requiring it are deemed ‘high-risk’ by the insurance company. Always research and check with your insurance company or any other insurance company before pursuing an SR-22.

Once an SR 22 is obtained, the insurance company will inform the DMV that you are maintaining financial responsibility and a restricted license may or may not then be issued.

An SR-22, in most cases, is the only way in which one is able to get their driving privileges or license re-instated. Showing that you have financial responsibility allows that state to understand that you are able and willing to cover any damages or injuries that might occur at the fault of your own.

A lawyer may or may not need to be involved depending on the extent of your violation. A lawyer is not required to obtain an SR-22.

Lastly, keep in mind, once obtaining an SR-22, the certificate that you receive will be filed into a national database. Therefore, driving to another state to obtain another license in that state will not be possible. It is required that you complete the statutory period defined by your state of having a restricted license before you are able to obtain a new license in another state.

Once again, as a reminder, check with your insurance company first before pursuing an SR 22 as not all companies will issue this certificate. Be prompt in your filing process as it can take up to 30 days to receive the SR-22. Above all, research your local state laws to become better educated into what is required, what actions you must take and what requirements are necessary for you to obtain the SR-22. And do remember, if, at any time, your insurance policy stops, the insurance company is required to inform the state’s DMV office and your driving privileges will be immediately suspended or revoked.