What Happens If You Let Your SR-22 Lapse

When an SR-22 lapses, the consequences can be severe and far-reaching. An SR-22 is not an insurance policy itself but a certificate of financial responsibility filed by your insurance provider to prove you carry the minimum required liability insurance. This certificate is often required for high-risk drivers, such as those with DUI convictions or multiple traffic offenses.

Immediate Consequences

If your SR-22 lapses, your insurance provider may be legally obligated to notify the Department of Transportation. This notification typically results in the suspension of your driver’s license. Moreover, if you are caught driving without an SR-22 when it’s required, you may face specific legal penalties related to SR-22 violations.

Impact on Driving Record

A lapse in your SR-22 will typically be recorded on your driving record, which can make it more difficult to obtain insurance in the future, and any coverage you do secure will likely come with significantly higher premiums. Additionally, a lapse may extend the period you are required to maintain the SR-22 certificate.

Preventing an SR-22 Lapse

To avoid these consequences, it is crucial to maintain continuous coverage. Frequently check your insurance policy to familiarize yourself with its terms, conditions, expiration date, and renewal process. To avoid missing payments and risking a lapse, consider setting up automatic payments to ensure your premiums are consistently paid on time. Keep your insurance provider updated with any changes in your personal information, such as a change of address or vehicle.

What to Do If Your SR-22 Lapses

If your SR-22 does lapse, act quickly to reinstate it. Contact your insurance provider to discuss your options and file the necessary paperwork with the state. Prompt action can help mitigate some of the more severe consequences and get you back on the road legally.

Learn More

Contact Bosway Auto Insurance Group to learn more about SR-22 certificates and auto insurance implications.

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.