Consequences of Car Accidents

All drivers in the US are required to have car insurance. Drive without insurance in the US and you will find out more than you want about something called an SR-22 form. In addition to being injured and possibly needing the services of Habush Habush & Rottier S.C.®, an SR-22 is one of the consequences of a car accident that you can expect to suffer if you are not a responsible driver. Incidentally, what SR stands for is not clearly established, but then again neither is FR-19, which is what the form is called in Delaware and Maryland.

That being said, an SR-22, also known as a Certificate of Financial Responsibility or Financial Responsibility Filing is issued by an insurance company at the request of a driver in compliance with a state’s Department of Motor (DMV) requirements. Not all drivers are required an SR-22, but being caught driving without a license will change that. Other offenses which may also necessitate an SR-22 include driving under the influence of alcohol or drugs (DUI), having too many traffic violations, and a suspended or revoked license.

An SR-22 is essentially a rider to your car insurance; it is not car insurance in itself. The SR-22 basically assures the DMV that if the driver ever lets the car insurance lapse, the insurer will inform the DMV. It is usually issued at great expense to the driver, raising insurance premiums up to three times the normal because the driver is now considered “high-risk.” The actual costs will depend on the insurance company. Failure to submit a required SR-22 within 30 days can lead to a license suspension. The SR-22 rider typically has to be maintained for 3 years, but it would depend on the state. Your insurer or SR-22 provider will be able to fill you in on the more specific details.

However, some states do not require an SR-22. These are Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. So if you have no insurance, make sure that you are driving in one of these states to avoid an SR-22. You will still get sanctioned according to state laws, but an SR-22 would not be on your list of problems.


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