What You Should Know About SR22 Insurance in St. Louis, MO
In order to reinstate your driving privileges, an SR22 filing is required in Missouri if you are involved in an accident but do not have insurance to cover the damages, if you show a fraudulent proof of insurance to an officer when you are pulled over or if you fail to carry the state minimum liability insurance.
An SR22 provides proof of insurance to the state of Missouri. When you purchase your insurance with an SR22, your insurance company will send the information to the state so you will be able to apply for driver’s license reinstatement. As long as your sr22 insurance in St. Luois MO is current, your insurer will keep your information on file with the state. However, if your insurance lapses, the state will be notified and your driving privileges will be suspended until you can provide new proof of insurance.
In most cases, you will need to carry SR22 insurance for three years. If your license was suspended after an accident judgment in Missouri or another state, you will need to have an SR22 for two years. In addition to obtaining the additional level of insurance coverage, you may also have to pay a fee to reinstate your driver’s license.
If your driver’s license was suspended or revoked, you may be able to get permission to drive to work or for other necessary tasks if you have SR22 Insurance in St. Louis, MO. To qualify for this exception, you would need to apply and be approved for a limited driving privilege. When you are approved, you will be able to drive to pre-approved destinations or situations. While you have a limited driving privilege, you will have to have continuous SR22 insurance. If your coverage lapses, your agreement will be canceled.
It is very important to keep your SR22 insurance active so you can continue to drive your vehicle legally. If you fail to pay your premium, your insurance company is required by law to notify the state of your lapse in coverage. After the state is notified of a lapse, you will not be able to operate a motor vehicle again until your license is reinstated.