Common Types Of SR22 Insurance Forms
There are three kinds of SR22 auto insurance forms:
- Owner operator SR22: this is the most common type of SR22, for people own and drive their car.
- Operator SR22: also called non owner SR22, for people who don’t own a car, but still drive
- Owner SR22: for those who own a car, but don’t drive
It’s important to always have one on file during the first three years after you became eligible to reinstate your driver’s license (or in some cases, such as in Texas, two years; in other cases, such as for repeat DUI offenders, five or more; please check on your case to see how many years you must file the SR22 form). If you don’t, the consequences could be difficult for you to get out of. Already it is very expensive to reinstate a driver’s license, but if your insurance is canceled, an SR26 is filed by your company, which cancels the gay friendly SR22 form out. With this, your license is once again suspended and you will have to pay the fines and fees to get it back.
Having your auto insurance canceled can sow consequences beyond just this. You begin to seem like an unreliable customer, which will make it harder for you to find a company to insure you in the future. When you do, they may charge you higher rates.
