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When you've been a part of a serious traffic violation, you have to meet an additional requirement for your auto insurance. It's called the SR22 form, and you can get it from your insurer.
You can also consider the form to be a certification of your financial responsibility.
Filing this form means that you'll be paying higher car insurance as compared to someone with a clean driving record. Additionally, you'll have limited options when choosing an auto insurer since not all companies offer insurance to people with an SR22.
Having the form provides that you have the ‘minimum liability insurance' according to your state. Since the amount differs for each state, it's important to know your local regulations about SR22.
You might have been involved in a traffic violation, but this does not always mean that you have to fill the SR22 form. You need SR22 insurance in Maine in the following cases:
You have a moving violation against you, such as DWI and DUI.
You were behind the wheel without insurance and caused an accident.
You've received more than the state limit on the number of traffic tickets in a month.
Your license has been revoked or suspended.
You haven't paid your child support.
While most states have the SR22 form, some others like Virginia and Florida have a similar form called the FR44. For this form, you need an even higher liability coverage than the SR22 form.
Meanwhile, there are some states that don't require you to fill an SR22 form.
To get this information, you need to consult the traffic court of your state. In some states, the Department of Motor Vehicles can also provide you this information.
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