If you lost your license due to a DUI, and it is time for you to get your license back, you may find some roadblocks. One thing you must do is file an SR-22. Below is information on what this is and how you can get the process started of getting your license back.

SR-22 Insurance

An SR-22 is a document that you need to prove that you have car insurance. In most cases, you will need to have at least liability insurance for your car. This type of insurance covers only the other driver if you are in an accident, such as covers damage to their car and any injuries they may sustain. It will not cover your vehicle or injuries you sustain, however. 

You need to contact your state to learn the requirements of the SR-22 that you must follow. In most cases, you will have to keep your insurance up to date when it comes to payments. If your policy runs out, you need to make sure you renew it immediately.  If not, your insurance company can notify the authorities, and you will have your driver's license revoked once again. 

Getting an SR-22

How you get an SR-22 will depend on the state you live in, but most states work the same way. The first thing you should do is to contact your insurance company. Not all insurance companies offer this type of service. If yours will not, you will need to find another insurance company that accepts SR-22s. 

If you do not currently have car insurance, you will have to purchase a policy to get your driver's license back. Because you have a record, you may have to pay more, such as the entire year instead of making payments monthly and the premiums are generally much higher.

Once you have car insurance, your insurance company can file the SR-22 for you. They will ensure that all state requirements are followed. If you need to find an insurance company that accepts SR-22s, look online or in your area. Because you will have to pay more money than normal, shop around for the best insurance company for you.

You will likely have to pay a fee to the insurance company in order to have the SR-22 filed. What this fee is will depend on the state that you live in. 

Talk with the insurance company that you find to learn much more about SR-22 insurance and how everything works.