SR22 filing and the SR22 insurance is a type of high risk auto insurance for drivers whose driver’s license has been suspended for non-alcohol related causes.
If you want to re-claim your driving privileges with the DMV in Virginia, you will need to purchase SR22 insurance even if you do not own a vehicle. That is a Non-owned vehicle insurance policy with SR22 filing.
SR22 is a form that is required by the DMV in Virginia, proving that a driver is carrying the state’s required minimum amount of auto liability insurance. You will often need to carry the SR22 for 3 years on your auto insurance policy.
SR22 filing is needed when you have had one or more of the following:
Too many tickets Uninsured motor vehicle suspension Failure to provide proof of insurance Unsatisfied judgments Reckless driving Falsifying insurance documentation
If your auto insurance policy lapse for any reason, the insurance company is obligated to inform the Virginia DMV of your lapse.
The DVM will send you a Notice of Suspension letter telling you that your Virginia driver’s license has been suspended and in order to reinstate your driver’s license you will need to bring your insurance policy current and have your insurance provider file another SR22. You will also be required to pay at least $145 reinstatement fee to the DMV.
SR22 Filing costs
An SR-22 is a state-filed certification that proves you have in force the required insurance coverage, and it is not the actual underlying insurance policy or coverage. As such, your cost for the filing itself is limited to any filing fees charged in your state by your insurance company. These fees may vary by state and are usually $25 or less per filing. You'll still have to pay for your underlying auto liability insurance coverage, though, and you may face additional costs due to your traffic violation. Sometimes states charge a license reinstatement fee if your license has been suspended, and fines and penalties for driving without insurance in the first place. But these costs are not directly related to the SR-22. They are the result of the traffic violation that led to you needing an SR-22 in the first place.
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