As a licensed driver in the state of Missouri, it is imperative that you obtain insurance coverage. However, if you have been convicted of certain traffic offenses, you may be required to obtain SR22 insurance. It is important to understand what an SR22 is and how you can obtain it in Missouri.
What is SR22 Insurance?
SR22 insurance is not a type of car insurance, but rather a form that certifies that a driver has the minimum required liability coverage. This form essentially proves that the driver has insurance in place, as mandated by the state.
Sometimes, the state of Missouri requires drivers to obtain SR22 insurance after being convicted of certain traffic offenses, such as driving under the influence, driving without insurance or a license, or causing an accident while uninsured. Failure to obtain SR22 insurance can result in a suspension or revocation of your driver’s license.
How to Obtain SR22 Insurance in Missouri
If you have been ordered to obtain SR22 insurance in Missouri, there are several steps you need to take:
Step |
Description |
1 |
Contact an insurance agent |
2 |
Request an SR22 filing |
3 |
Purchase the minimum required liability coverage |
4 |
Pay the SR22 filing fee |
It is important to note that not all insurance providers offer SR22 filings, so it may be necessary to shop around for a provider that does. Additionally, insurance rates for those who require SR22 insurance may be higher than those who do not.
FAQ
How long do I need to have SR22 insurance in Missouri?
The length of time that you are required to have SR22 insurance in Missouri varies depending on the offense that caused the requirement. Generally, you will need to have SR22 insurance for at least three years.
Can I cancel my SR22 insurance?
You cannot cancel your SR22 insurance early, as it is required by law. If you fail to maintain your SR22 insurance, your insurance company will notify the Missouri Department of Revenue and your driver’s license will be suspended or revoked.
What happens if I am caught driving without SR22 insurance in Missouri?
If you are caught driving without SR22 insurance in Missouri, your driver’s license will be suspended or revoked. Additionally, you may face fines, legal fees, and even jail time depending on the circumstances. It is important to maintain your SR22 insurance and drive legally in Missouri.
Is SR22 insurance more expensive than regular car insurance?
Generally, drivers who require SR22 insurance will pay higher insurance rates than those who do not. This is because the driver is considered to be a high-risk driver. However, rates can vary depending on the individual’s driving record and the insurance company they choose to work with.
Can I get an SR22 if I don’t own a car?
Yes, drivers who do not own a car can still obtain SR22 insurance in Missouri. The insurance policy will need to meet the minimum liability coverage requirements and the SR22 form can be filed as a non-owner policy.
In conclusion, if you have been ordered to obtain SR22 insurance in Missouri, it is important to work with an insurance provider who understands the requirements and can provide the necessary coverage. By following the steps outlined above, you can obtain the necessary SR22 filing and maintain your driver’s license.
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