The Indiana BMV usually requires you to file an Indiana SR50 insurance certificate and an SR22 certificate for license reinstatement. UltraCar Insurance always files both certificates for you at no additional cost to ensure you can reinstate your license immediately.
Why do I need Indiana SR50 insurance?
The most common reasons to file an SR50 certificate are:
- Operating a vehicle without insurance
- Uninsured accident
- Multiple motor vehicle violations (too many points on a driver’s record)
- Refusal to take a breath or blood test
- A DUI or DWI conviction
- Child support order
- Legal judgment
How does SR50 insurance work?
Indiana SR22 and SR50 certificates are documents you need to file with the BMV to reinstate your license. Indiana SR50 insurance is an affidavit of current insurance, meaning you now carry the state minimum required liability insurance. The Indiana SR22 certificate guarantees that you will have insurance for a future specified time. In most cases, the state requires you to maintain high-risk insurance for three years. After you fulfill all requirements for license reinstatement, filing one or both of these certificates is the last step to reinstate your driving privileges.
While the state requires you to carry SR50 insurance, the issuing insurance company monitors the status of your policy closely. If it lapses even one time, your insurance provider must notify the Indiana BMV by submitting an SR26 filing. This results in immediate suspension of your license. The state may assign additional fines, fees, or other penalties to reinstate your license again.
Can I get this insurance if I don’t own a vehicle?
If you own a vehicle, your insurance provider will endorse the SR50 and SR22 certificates to your auto insurance policy. If you don’t own a car, truck, or motorcycle, they will attach one or both certificates to an Indiana Non-Owner Car Insurance policy.
See the Indiana Bureau of Motor Vehicles website for additional details about Indiana license suspension and reinstatement.
For affordable Indiana SR50 insurance quotes, call an UltraCar Insurance agent today or start an online quote!
