SR22 filing
Q: What types of SR22 filing are there?
A: There are three basic types of SR22 filing, and only one will really apply to you, but your prices for any will differ so it is important that you choose the right one. If you choose wrong, you may find yourself in a bind some day soon.
1. Vehicle Operator’s SR22 filing – This is for if you are only a driver, but do not own a car. Even lacking a car of your own, you will all the same need to do SR22 filing if you plan to drive someone else’s.
2. Owner’s SR22 filing – This is for any vehicles you own.
3. Operators-Owners SR22 filing – This is the most common, being for both your own vehicle and also extending coverage to you when you drive other people’s vehicles.
SR22 insurance
Q: How do I make sure my license isn’t suspended again while I’m on SR22 insurance probation?
A: There are two things you need to do in order to keep your license intact: one is to make sure you keep your SR22 insurance coverage going, and the other is to stay out of trouble. If you get caught on the same offense as what you got hit with the SR22 insurance requirement for, you can kiss your driver’s license goodbye.
You can evade having your license suspended if you renew your SR22 insurance at least 45 days ahead of time. Even if you renew your insurance two weeks in advance, your SR22 insurance company has to notify the DMV if you don’t renew it within 15 days of the policy expiration date. If you renew your policy early, you won’t need to worry about being suspended.
SR22
Q: How do I get an SR22?
A: You can get an SR22 by getting in touch with an insurance company that is able to sell SR22 car insurance. As soon as you pay for your premium, the agent will send a form requesting an SR22 to the Louisiana DMV. The SR22 goes from there to the Secretary of State. Allow for up to a month for this to happen. Once approved, you get a copy of your SR22 form from your car insurance provider, along with note from the Secretary of State.
You’ll have to keep your SR22 car insurance for 36 months, or 3 years. If your SR22 insurance gets cancelled or doesn not get renewed, the insurance provider will have to submit an SR-26 Cancellation Certificate. Once this is received, your license will be suspended, and you can’t get it back until you have SR22 insurance again.
