When you want to reinstate your license or need to satisfy a court order, you must purchase SR22 insurance Mississippi for a period of time. A number of motor vehicle offenses and other circumstances can result in a license suspension.
Common reasons for license suspension include:
- Legal judgments
- Child support or neglect cases
- Refusal to consent to a DUI or DWI test
- DUI or DWI offenses
- Uninsured auto accident
- Too many points against a driver’s DMV record
- Driving without the required liability insurance
How does SR22 insurance Mississippi work?
SR22 is a certificate of financial responsibility that’s attached to your auto insurance policy as an endorsement or rider. When you buy the certificate, your insurance provider files it with the Mississippi DMV, paving the way for license reinstatement. SR22 insurance Mississippi is considered high risk insurance, and not all companies offer this coverage.
SR22 insurance is considered a guarantee that you’ll remain covered by the minimum required liability coverage for a future period of time. Therefore, the certificate is monitored to make sure it remains in force. In most cases, SR22 insurance Mississippi must be carried for 3 years. If you let the policy lapse or cancel it during required time period, your insurance provider submits an SR26 form notifying the Mississippi DMV. Your license will be suspended again, and the reinstatement process will have to be repeated. Additional fines or fees may also be levied.
SR22 insurance without a vehicle
If your driver’s license is suspended and you don’t own a vehicle, you’ll need to obtain non owner SR22 insurance Mississippi to reinstate your license. With non owner insurance coverage, your certificate is endorsed to a non-owner insurance policy.
More information about Mississippi driver records and reinstatement fees can be found in the Driver Services Bureau section of the Mississippi DPS website.
As soon as you contact UltraCar Insurance for an SR22 quote, we survey top insurance companies to find the best SR22 insurance Mississippi rate for you. For fast filing of your SR22 certificate, click to start a quote or call us today!
This article was last updated on April 24th, 2019 by UltraCar Insurance