You’ll need to file a certificate called SR22 insurance Arizona with the state DOT to regain your driving privileges after license suspension. An SR22 is a certificate of financial responsibility required for license reinstatement. Depending on the reason for suspension, drivers are usually required to carry this insurance for two to five years.
Why do I need SR22 insurance Arizona?
The most common reasons people are required to carry SR22 insurance Arizona are:
- DUI or DWI conviction
- Reckless driving citation
- Refusal to submit a DUI breath or BAC test
- Uninsured accidents
- Too many points on your driving record
- Child support or neglect cases
- Legal judgments
How does SR22 insurance work?
All Arizona drivers are required to carry liability insurance coverage. After a license suspension, you’ll have to buy a high risk insurance certificate to reinstate your license. SR22 insurance Arizona is a financial responsibility form that’s endorsed to your auto insurance policy. This filing guarantees that you’ll be adequately insured without interruption for a mandated time period. This guarantee is possible because your SR22 policy is monitored to make sure it stays in effect during that time period. If it lapses even once the Department of Transportation (DOT) is notified by an SR26 filing. This results in immediate re-suspension or revocation of your license.
Two types of SR22 insurance
Owner SR22: An owner/owner-operator SR22 insurance Arizona certificate is issued if you own a registered vehicle. An owner certificate is endorsed to your auto insurance policy. Owner SR22 insurance can be written with liability-only coverage or comprehensive and collision coverage can be added.
Non Owner SR22: A non-owner certificate is issued if you don’t own a vehicle, but may drive a borrowed vehicle from time to time. A non owner SR22 insurance Arizona certificate is attached to a non-owner insurance policy. Non owner insurance coverage is liability-only that insures you when you drive a non-owned vehicle.
You can get more information about license suspension, license revocation, license reinstatement and SR22 insurance on the Arizona Department of Transportation website.
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This article was last updated on January 26th, 2020 by UltraCar Insurance