Several states require the filing of an SR-22 form as proof to the state that an offending driver or motorist carries an adequate insurance policy and would continue to do so or a court-mandated period of time. Thus, the form is seen as a proof of future financial responsibility on the part of the driver in the event of an accident.
In New York, this form is not required. New York is one of six American states that don’t require the filing of an SR-22 following certain traffic and driving offences.
However, in New York, all drivers are required to possess an insurance policy meeting certain liability coverage requirements before they are allowed to legally drive. The requirements are:
Many drivers still choose to exceed these minimum requirements and, for good measure, also purchase collision coverage, comprehensive coverage and uninsured motorist coverage to better protect them. While all these are not legally required by the state, the extra protection could someday come in handy.
New York has no SR-22 requirements but the convictions and offences that could require an SR-22 filing in other states would still result in a ‘high risk driver’ classification in the state. This would negatively impact your driving record and consequently inflate your insurance premiums.
A driver may be considered a high risk driver within New York for the following reasons:
Although, an SR-22 is not required within the state, the relative cleanliness of a driving record affects the driver’s insurance premiums significantly. For instance, the average monthly insurance rate of a New York driver with a clean record is $305 but one Dui can cause that bill to skyrocket to about $477 and this is just ONE DUI.
Apart from inflated insurance premiums, drivers in New York may also be required to pay various fines depending on the offences they have committed. Some of these fines are:
If you have no car within New York but you need to drive then it is imperative that you purchase an insurance policy before doing so as driving without insurance is not allowed in the state. Doing so could result in a fine of up to $1,500 and a license suspension of up to one year. Ask about temporary car insurance NY options if this is a short term need.
If your license has been suspended or revoked within another state, you must satisfy the conditions for reinstatement in that state and have your license reinstated before you would be allowed to drive in New York. After the reinstatement of your license, you would also need to possess an insurance policy that meets New York minimum liability coverage requirements.
If you have an SR-22 filing in another state and decide to move to New York, you can only drive legally if you keep maintaining the SR-22 you previously held. A failure to do so would result in a suspension o your driving privileges. During this period of maintenance, it would still be necessary for your insurance policy to meet the minimum requirements within New York and as such, you should contact the local DMV to verify these requirements and make adjustments to your policy where necessary.
New York doesn’t require an SR-22 filing of any drivers within the state but if you have an out-of-state filing, you must maintain that filing for as long as the court in that state has mandated. A failure to do so would leave you vulnerable to the suspension of your license and driving privileges.
Although there is no requirement of an SR-22 filing in New York, under no condition is any driver allowed to drive without adequate insurance within the state. If for some reason, your insurance coverage is cancelled or not renewed, you should stay away from driving until coverage has been restored. Driving without insurance can result in a suspension of one’s license and the requirement to pay fines of up to $1,500.