An SR-22 form is documentation within most states in the United States that is required to prove future financial responsibility in the event that an accident occurs. It is filed as a requirement for the reinstatement of a suspended or revoked license after certain traffic or driving violations have been committed, usually a DUI.
New Mexico is one of six states in America that do not require the filing for offences committed within the state. In its place are stricter driving laws designed to provide all drivers and motorists using the roads of the state. One of such laws is the requirement by the state for every driver to possess an auto insurance policy that meets certain minimum liability coverage requirements.
These minimum requirements are:
Failing to possess a policy that meets these requirements while driving on the streets of New Mexico could lead to the addressing of a notice of noncompliance from the Motor Vehicle Division and a subsequent suspension of your license if the notice is not heeded. In such cases, the license would be reinstated following the renewal or purchase of a policy and the payment of the necessary reinstatement fees.
In New Mexico, it is illegal t drive while under the influence of alcohol or other intoxicating substance and the penalties awarded vary based on your previous record.
First offenders may face:
A subsequent offender can be awarded a combination of stricter variations of the above listed penalties in addition to being ordered to enroll in and complete an inpatient or outpatient treatment program.
In New Mexico, the state can require any driver convicted of driving under the influence or driving while intoxicated to install an ignition interlock device as part of the conditions of their probation. In the event that you are convicted for a fourth or subsequent offence, you can be ordered to install an ignition interlock device for life.
In the event that a driver has been ordered by a New Mexico court to use an IID, such a driver is not allowed to operate any vehicle that does not have the device installed in it. In addition, to apply for an ignition interlock device, the following must be done:
If caught driving without the IID after a conviction and court order to install it, a driver faces jail time, hefty fines, a license revocation and vehicle impoundment.
Despite the lack of need for an SR-22 form within the state, it is quite common for inhabitants and drivers within the state of New Mexico to obtain extra insurance coverage to better protect themselves in the event of an accident.
This insurance coverage is required by many insurance providers within New Mexico for the purpose of financing damages that may be sustained to your vehicle as a result events beyond your control. Collision coverage caters for damages caused by another car, an object or a rollover while comprehensive coverage protects you against destruction to your car from hazards such as theft, hail, vandalism, wind, flood and fires.
Medical payments insurance coverage caters to reasonable expenses due to injuries that could be sustained by a driver and other passengers in their vehicles. This coverage protects a driver and the occupants of their vehicle regardless of who is at fault in an accident and its cost can vary from provider to provider. Individuals can choose to get this coverage if they have n health insurance or they can purchase it to complement any medical insurance cover they already possess.
Vehicles that have no insurance in New Mexico are bound to have their registration within the state suspended. In line with the New Mexico Mandatory Financial Responsibility Act, the state has the authority to order the owner of an uninsured motor vehicle to return the vehicle registration and license plate to the Motor Vehicle Division within ten days of the notice. Failure to heed this notice will leave such an owner vulnerable to penalties prescribed by state law including criminal offences.
New Mexico doesn’t require an SR-22 filing or insurance policy of its drivers but demands that all drivers possess adequate auto insurance policy in line with state law. The cost of the insurance policy could vary from provider to provider and is affected by factors such as driving record, age, credit score, gender, occupation and so on.
There are no SR-22 forms available at all within New Mexico.
If you have no car in New Mexico but wish to legally drive, you would be required to purchase an insurance policy that meets the liability coverage requirements of the state.
If you have an SR-22 filing from out of state, you are required to maintain it while driving in New Mexico but ensure that your insurance policy also meets the liability coverage requirements in New Mexico.
There is no SR-22 requirement in New Mexico but in the event that your insurance coverage within the state lapses for whatever reason, you are required to ensure that it is renewed before you get behind a wheel again.