What You Must Do to Cancel Your SR-22 Insurance Mandate

15 April 2015
 Categories: Insurance, Blog


Let's say you've been involved in a car crash, and it was later found that you didn't have liability insurance. Because driving without insurance is punishable by law in your state, you've been required to sign up for SR-22 insurance for a specific time period, which typically ranges from 2 to 3 years. It has now been two years, and you're trying to figure out what you must do in order to be able to cancel the SR-22 mandate.

As you read this article, you'll learn about the key requirements that are associated with your court-ordered insurance certificate.

Refrain from taking the road after drinking

Having DUIs on your driving records is a bad thing when you don't have a bad driving background. But these are much worse when you're already fulfilling a judiciary requirement. So if you plan on drinking, refrain from using your car.

Settle all of your moving violations

Keeping track of your moving violations can become a problem if you've received too many of them. At some point, you might not even be able to remember which ones you paid, and which ones are still due or outstanding. Depending on your state, you might or might not be able to have access to your driving records by contacting a local DMV branch. 

As you're settling your unpaid traffic tickets, make sure you don't get pulled over for the same motive again, since this will indicate that you're not learning from your previous mistakes, and force the state to take away your driving privileges.

Make sure you don't fall behind on your SR-22 insurance payments

As long as your SR-22 mandate is active, you must pay for your monthly SR-22 insurance premiums. Failure to do so will result in the suspension of your driver's license, since your car insurer won't hesitate to notify the court about the payments that you've been missing.

You must be covered after the expiration of your SR-22 mandate

The lack of minimum liability insurance is the very reason why you were mandated to carry an SR-22 insurance policy for 2-3 years. Unless you don't mind abiding by such a requirement for an additional term, you must ensure that you have the state minimum level of auto insurance.

Once you've completed this to-do list, you should be able to remove the SR-22 insurance requirement from your driving records. Simply make sure you consult with an insurance professional such as Muchmore Insurance to get some tips on which type of auto coverage will suit your needs in the future.