What Happens If Your SR22 Insurance Lapses?

An SR-22 form proves that you meet your state’s minimum insurance requirements. Filing an SR-22 form is often required after a serious traffic violation.

A lapse in your SR-22 insurance can lead to several significant repercussions:

• License suspension—If your insurance lapses, your state’s Department of Motor Vehicles (DMV) will be notified, which can result in the suspension of your driving privileges. 

• Increased penalties—You may face additional fines or penalties for failing to maintain your SR-22, which could add to your financial burden.

• Extended SR-22 requirement—A lapse can lead to a longer duration of required SR-22 filings.

• Higher insurance premiums—When you seek to reinstate your insurance after a lapse, you may find that your premiums have increased.

• Difficulty obtaining coverage—Insurers may be hesitant to offer coverage if you have a history of lapses, making it challenging to find affordable insurance options.

How to Prevent an SR-22 Lapse

Preventing a lapse in your SR-22 insurance is crucial to maintaining your driving privileges. Here are some strategies to help you stay on track:

• Mark your calendar for important dates, such as payment due dates or policy renewal dates, to ensure you don’t miss premium payments.

• Consider setting up automatic payments with your insurance provider to avoid accidental lapses due to missed payments.

• Stay in touch with your insurance company, especially if you plan to switch providers or change coverage. Notify them of changes that could affect your policy.

If your policy has lapsed, you may need to file a new SR-22 to comply with state requirements. Your insurer can guide you through this process.

Contact Us

If a lapse occurs, take swift action to reinstate your SR-22 and communicate with your insurance provider and DMV. Contact Fast Insurance in Apache Junction, Arizona, for a personalized car insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.