SR-22 Insurance in Arkansas
Arkansas’ SR22 form protects everyone by requiring the highest-risk drivers to have insurance. High-risk drivers must know how to get SR22 insurance and complete the process in order to drive legally. Arkansas will generally determine who has the highest-risk driving behavior based on previous actions. This can mean individuals involved with a DUI or who refuse to take a breathalyzer test, those who are under the influence of drugs while driving, those who accumulate a number of points on their driving record within a specific timeframe and those who are involved in a serious accident all may be required to provide this proof of insurance in order to get their driving privileges back. Essentially, by paying close attention to the insurance policies of the highest-risk drivers, Arkansas allows everyone else to drive safer, knowing that those who are most prone to accidents are also covered in the event that those accidents may occur. In this article, you will learn who needs SR22 insurance in Arkansas and the steps you can take to get it.
What is Arkansas SR22 Insurance?
It is important to note that SR22 insurance is related to this insurance but it is not the same as it. In Arkansas, all drivers are required to have some level of auto insurance so that in the event of an accident all victims will be able to receive compensation for the damages that occur. The name is a bit of a misnomer because SR22 is a form of insurance proof, not the actual insurance. SR22 essentially allows the government to keep tabs on the insurance policy, understanding how much the insurance covers and for how long the coverage lasts. As opposed to the general insurance requirements, this form is only required by the state DMV if the driver has shown careless driving habits.
Who needs SR22 insurance in Arkansas?
You will likely need to look through SR-22 rates and find one that you can afford if your license has been suspended or revoked in Arkansas. This form is designed for drivers who have exhibited reckless driving habits. These careless driving habits may include the following:
- Being under the influence of alcohol or drugs while you are driving
- Being involved in a serious accident which results in injury or death to another person
- Not maintaining your SR-22 insurance when you are mandated to do so by the state
You will only need this SR-22 form if you intend to get your driving privileges back. You will still need it even if you do not own a car. On the form, there is an option to say whether you are an owner or an operator. If you own a vehicle, then indicate as such. If you do not own a vehicle, then indicate that you are an operator.
Reinstating Driving Privileges With SR22 in Arkansas
The SR-22 form is only one part of the reinstatement process. If your driver’s license has been suspended or revoked in Arkansas, then you will have to wait for one year in order to apply for a new one. This will be determined after you submit an accident report, which will details matters such as where the accident occurred, when the accident occurred and how much damage the accident caused. You will also need to settle all driving-related matters in court, getting written permission from the judge in order to have your driving privileges reinstated. You may get an SR22 insurance policy after all of this has been completed.
Once that has been completed, you will need to find an SR-22 policy from a company in Arizona. Make sure that the SR-22 provides you with the appropriate level of insurance. In Arkansas, all drivers are required to have at least:
- $50,000 worth of insurance for each individual that is injured or killed due to an accident you cause.
- $100,000 worth of insurance for each accident that causes individuals to be injured or killed.
- $25,000 for any destruction that results from an accident that you cause.
Once you are eligible to reinstate your license, Arizona allows you to do so online. In order to find your driving record, you will need personally identifying information such as the number on your license and the date you were born. If you are not from Arizona, then you will have to provide your name and birth date.
How to Get SR22 Insurance in Arkansas
In order to get SR22 insurance quotes in Arkansas, you will need to go to local insurance companies and find their rates. Arkansas requires this form of insurance, but it is provided by companies in the area. The actual SR22 form will require certain pieces of information. This information is used to identify both you and your insurance policy, which means it includes the following:
- Your name
- The time period for which the policy is in effect
- The insurance institution providing the policy and a signature from one of its agents
- Identifying information about the vehicle if the insurance policy covers an individual who owns and operates a specific one
Penalties for Not Filing an SR22 Form in Arkansas
If you do not get SR22 when you are asked to, then you will not be able to legally drive in the state of Arkansas. Because of the nature of the insurance proof, the insurance company will notify the state if the insurance policy is not being kept up. If you are driving without the SR-22 that was requested, then your license may be re-suspended, which means going through the process again and paying the fees required to have your license reinstated.