The SR22 form is a form that your insurance company will file, for a fee, to notify the DMV in your state that you are complying with a court order. The SR22 also known as a Certificate of Financial Responsibility proves that you are doing what your state law mandates. Regulations vary from state to state , but, if you are notified by the court, and need the SR22 you must file one without delay. Failure to comply with a court order will get your drivers license suspended, and may result in jail time.
You must carry the states limit for liability insurance in the state where you received the traffic violation. If the state you move to requires a lower limit, you must take the minimum insurance coverage of the state that requires the Certificate of Financial Responsibility.
If you allow your SR22 insurance coverage to lapse your drivers license will be suspended again. Your insurance company is required by law to notify the Department of Motor Vehicles immediately when your status becomes non-compliant.
An SR22 is valid as long as your insurance policy is valid. If you wish to change insurance companies you should do so before you file the SR22. Traffic convictions that result in an SR22 filing status will require that coverage to be kept a minimum of 2 years. Some states will mandate an SR22 insurance coverage for no less than 3 years.
Insurance companies who sell insurance online will contact you with their insurance rate quotes. SR22 insurance coverages are more expensive than a normal policy because of the risk involved. If you accept the insurance rate of the company it is important to submit payment immediately. An insurance company can not begin the SR22 filing process until after they have received payment in full. Insurance companies will require a full payment( 6 months) for the insurance policy.
An insurance company may charge a one time filing fee for SR22 insurance coverage. It is very important that a driver does not let this coverage lapse. Drivers license suspension fees, and the fees involved in re-filing an SR22 can be expensive.