What happens when the state suspends your driver’s license? There will be several requirements for you to complete, and one of them is to get SR22 insurance Wisconsin. The SR22 is a certificate an insurance provider endorses to your auto insurance policy. They file it with the state to restore your driving privileges.
Reasons people require SR22 insurance:
The law requires all drivers to carry minimum liability insurance coverage. If an officer catches you driving without this insurance, the state may suspend your license. Other reasons that lead to license suspension include some of these violations:
- Exceeding allowable points on your DMV record
- Refusal to test for DUI or DWI
- DUI or DWI offenses
- A court order or legal judgment
- Child support or neglect cases
How does SR22 insurance Wisconsin work?
SR22 is a financial responsibility form a licensed insurance provider attaches to your auto insurance policy. An insurance provider issues the certificate and files it with the Wisconsin Department of Motor Vehicles (DMV). When the state receives the filing, it reinstates the person’s driving privileges. You’ll need to maintain the insurance policy without lapse for a specific time – usually three years. The state considers an SR22 filing a guarantee of future insurance coverage. Therefore, the insurance company that issues your policy will monitor it during that time. If your policy lapses before the SR22 requirement expires, they will file an SR26 form with the Wisconsin DMV. The SR26 cancels the SR22 filing, resulting in immediate license suspension.
Can you get SR22 if you don’t own a car?
The type of SR22 insurance described in the previous paragraph is SR22 owner or owner-operator insurance. You’ll file this certificate if you own one or more vehicles. Another type of high-risk insurance, Non-Owner SR22 Insurance Wisconsin, is a certificate you’ll file if you don’t own a vehicle. A non owner SR22 certificate is an endorsement to a non-owner insurance policy. It is secondary insurance that covers you if you occasionally drive a borrowed vehicle.
The Wisconsin DMV website has more details about suspended or revoked driving privileges in Wisconsin, and the process of license reinstatement.
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