Has your Arkansas driver’s license been suspended? SR22 insurance Arkansas is a certificate of financial responsibility that must be filed with the state as a condition for license reinstatement. It is against the law in Arkansas to operate a motor vehicle or to let another person drive your vehicle without mandatory insurance coverage. If you’re stopped by an officer or involved in an accident and can’t provide proof of insurance, your driver’s license can be suspended.
How do I get SR22 insurance Arkansas?
To obtain SR22 insurance Arkansas you’ll contact an insurance provider that’s licensed to operate in the state of Arkansas. You should expect to pay a processing fee for your certificate to be submitted to the Arkansas Office of Driver Services. Your insurance agent will file the SR22 certificate electronically, and will give you a copy of your SR22 insurance policy and proof of insurance card.
What is SR22 insurance?
SR22 insurance is a guarantee that you will carry the minimum liability insurance coverage for a future period of time. When someone commits certain motor vehicle violations the state requires them to purchase Arkansas high risk insurance. Other circumstances can also lead to an SR22 insurance Arkansas requirement. Some of the most common situations include:
- Responsibility suspensions (driving while uninsured)
- License revocations (driving without a license)
- High risk motor vehicle offenses (multiple traffic violations, speeding, reckless driving, DUI/DWI, refusal to test for DUI/DWI)
- Legal judgments
- Child support matters
SR22 insurance Arkansas must be maintained a minimum of three years for first-time offenses. If you have no additional violations during this time, you may be able to discontinue carrying SR22 insurance. If you have another offense within the initial three-year period, you may be required to keep the policy in effect for as long as five years. The time period required to carry SR22 insurance increases with each additional offense.
It’s important to keep your SR22 insurance Arkansas policy current. You must pay your premiums on time, and renew your SR22 policy in advance. The policy is monitored closely. If it lapses or is canceled, the Arkansas Office of Driver Services is notified immediately. Your driver’s license will be suspended again until the SR22 insurance is reinstated. Additional reinstatement fees and penalties may be assessed.
NOTE: If you’re required to have an SR22 and move to another state, you’re obligated to continue carrying it in your new state of residence. Be sure to contact your insurance provider for instructions before you move.
What if I don’t own a car?
Owner-operator SR22 insurance Arkansas covers financial responsibility for vehicle(s) you own, and the SR22 certificate is endorsed to your auto insurance policy. Owner-operator insurance can also include collision and comprehensive coverage. Full coverage, uninsured motorist, medical payments, towing and rental car payments can also be covered with higher premiums.
Non owner SR22 insurance Arkansas covers financial responsibility when you don’t own a vehicle, but may drive another person’s vehicle on occasion. With non owner insurance, the SR22 certificate is endorsed to a non-owner insurance policy written in your name.
The Arkansas DFA website, Office of Driver Services lists contact information for the sections of Safety Responsibility, Driving Records and Driver Control, which are responsible for issues related to license suspension and reinstatement.
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