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What Is SR-22 Motorcycle Insurance Coverage?

What Is SR-22 Motorcycle Insurance Coverage?

Do you need to file an SR-22? Do you know what to do? If you have been caught doing something illegal such as driving without insurance or driving under the influence, you may be required to file an SR-22. If you have broken a major driving law, you may be court-ordered to obtain an SR-22 before you drive again. This isn’t a very fun process, but it is necessary so that you can prove to both your insurer and the state that you are cleaning up your act.

What is an SR-22?

It is a document that shows proof of liability insurance or financial responsibility to the state in which you ride your motorcycle.  It is used primarily by individuals to get their suspended licenses reinstated. Most people that are assigned to file an SR-22 need to do so for up to 3 years. Once this three year term has been fulfilled, you will not be responsible for carrying this extra form of proof. Understand that this proof is required simply because you have likely engaged in risky driving behavior. States require SR-22’s so that they can easily keep track of you and your coverage.

Violations that can result in SR-22’s include:

  • At-Fault Accidents
  • Bad Driving Record
  • Convictions (Convicted Riders)
  • DUI or DWI
  • Driving Without Insurance
  • Moving Violations
  • Repeat Traffic Offenses
  • Speeding Tickets
  • Suspended License

Insurers File Your SR-22 with the DMV

Before you can get your license and driving privileges reinstated following a suspension, you must have your insurance provider file an SR-22 form with the state Department of Motor Vehicles (DMV). This shows the DMV that you have adequate liability insurance to operate your motorcycle.  They will then reinstate your driving privileges by lifting your suspension.

It should also be known that SR-22’s are specific to the state in which you committed your offense. If you carry an SR-22 for one state, but move to a different state, you will still need to carry this as coverage for your former state – your liability insurance should also reflect the minimums of your former state. If you have any further questions, your insurance company will help you sort things out.

Note: It should be noted that some states may require you to pay a fee to file your SR-22.

How Long Do You Need an SR-22 on File?

In most cases, you can expect to have an SR-22 for up to 3 full years. During this time, the SR-22 will serve as proof that you are maintaining your insurance. If you fail to make your insurance payment or the coverage lapses, legal officials will be notified. If you continue to drive, you will be penalized. If you fail to comply with the laws associated with SR-22’s, you may end up with a suspended driver’s license as well as a revoked registration.

Once your SR-22 period has been served, your insurance provider will be able to work with the state to terminate this added proof. Your insurer will do this by filing an SR-26 form up to a week or more before your SR-22 expires. This will let the state know that you will no longer need this extra proof because your period is almost served.

SR-22 Motorcycle Insurance Companies

If you have an insurer, chances are good that they will help you file an SR-22. If they end up considering you too high of a risk to insure, you may need to find a different provider. As long as your risk isn’t significantly high, you should be able to find a motorcycle insurer that will help guide you through the process. In the event that you are still searching for a provider, be sure to use the free quote box below to find the best-rated companies in your city!

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