Can an SR-22 Policy Help You Get Your License Back?

You made a mistake. Now you are paying for it. Many people face the loss of their license due to mistakes made behind the wheel. When this happens, it can impact every facet of your life. You can’t drive to work or drive your kids to work. You may want to do whatever it takes to get your license back. One of the ways you may be able to do this is through the use of an SR-22 insurance plan. This does not replace your auto insurance but adds an additional layer of protection for other drivers. However, it comes at a high cost.

Is an SR-22 an Option for You?

There are many situations in which you simply cannot know if an SR-22 is an option for you unless you work with the Department of Motor Vehicles in your state. Discuss with them what you wish to do. They will consider factors such as the incidents that led up to the loss of your license, the time between then and now, as well as any matters related to the situation. In many cases, you can ask for your license to be reinstated. However, there are a few things to keep in mind to determine if this is possible.

First, you’ll need to secure SR-22 insurance. A variety of car insurance providers offer this protection. However, each insurer will decide if it is willing to take on the risk you present as a high-risk driver. This depends on, also, whether or not the DMV will allow you to use an SR-22 filing as a way to reinstate your license.

In addition to this, you will need to pay any fines and fees associated with your license. Most of the time, there is a reinstatement fee that needs to be paid. If you have any outstanding fees or debts to pay as a result of the accident or incident, including settlements to other drivers, you will need to handle these first.

When a license is revoked, it is due to a significant mistake made by the driver. It takes a lot to get your license back on track. If you remain in compliance with the law, though, over time you may be able to get back behind the wheel.