An SR-22 is a document, issued by an insurance company, which serves as a driver’s proof of future financial responsibility. It is usually required after a license has been suspended or revoked after a driving offence or violation has been committed by a driver. In Nevada, it must be submitted by a licensed insurance provider to the state DMV.
Basically, the document proves that you are currently carrying an insurance policy that meets the minimum coverage requirements of the state. Situations that require the filing of an SR-22 form in Nevada are:
In the event that you are caught and charged for any of the above offences, you would be contacted by the state DMV if an SR-22 filing is required of you. You should also note that even if your license is not suspended or revoked, an SR-22 would be required to be filed if you are caught driving without insurance.
Most providers charge a fee of between $20 and $50 as a processing fee for filing an SR-22 on behalf of a client. Along with the SR-22 filing, an insurance policy is also expected to be purchased if the driver had none before.
This insurance policy is expected to meet certain state-mandated minimums. It is in the insurance premiums on your policy that the financial effect of an SR-22 is reflected.
Being required to file an SR-22 classifies a driver as high risk and this new status accounts for an increase in insurance rates for a convicted driver by an insurance provider.
If you have no car but have committed an offence requiring an SR-22 in Nevada, you would be required to file for an SR-22 with the state if you wish to legally drive within the state. Along with the filing, you would also be required to purchase a non-owner policy that meets with the minimum liability requirements of the state.
The same would apply to individuals with a suspended license or with no license at all. To legally drive within the state, you would need to file an SR-22 and purchase an insurance policy.
Filing of an SR-22 form in Nevada is done through a state-licensed insurance provider. All you have to do is find an insurance provider that files the form if your current provider does not and request for the filing to be done on your behalf.
To facilitate this filing, you would be charged a small fee of between$20 and $50. You would also be required to purchase an insurance policy that meets the minimum liability coverage requirements of the state if you don’t have one. These requirements are:
If your policy has been confirmed as meeting the state requirements, you can have your insurance provider submit the filing on your behalf. After submission, you are to wait until you receive letters from your insurance provider and the state of Nevada that your SR-22 has been accepted before driving again.
If you have an SR-22 from another state and are moving into Nevada, it is important that you maintain the SR-22 from that state and call the Nevada Department of Motor Vehicles to verify whether your SR-22 still meets the Nevada state requirements or if adjustments would have to be made.
The same applies if you have an SR-22 in Nevada but are required to move out of state for whatever reason.
While most court-determined SR-22 filing terms in Nevada are set at three years, the minimum and maximum terms for the maintenance of an SR-22 filing within the state are one and five years respectively.
What to do if the SR-22 lapses
Any gap in your insurance coverage, due to whatever reason, is legally required to be reported by your insurance provider through the filing of an SR-26 to the state. To avoid a license suspension, extra penalties and a reset on your SR-22 filing period, you would be required to renew or purchase a valid auto insurance policy within ten days.
All reinstatement and court fees would also have to be paid by you.
How to go about cancelling my filing when I no longer need SR-22 coverage
Once the state-mandated period of maintenance for an SR-22 filing has been completed, you would no longer be required to have the filing on your record or pay increased insurance premiums. To play it safe, contact the state to verify that your mandate has indeed been completed before calling your insurance provider to cancel the filing and make the necessary adjustments to your insurance rates.