SR-22 Insurance in Arizona
You will need to know how to get SR22 insurance in Arizona if your license has been suspended or revoked. An SR22 form is required after certain incidents such as a serious crash or DUI. In addition to the legal fees, getting your license reinstated can be a costly process. You should consider the SR-22 rates that insurance providers charge on top of the payment for standard auto insurance. Getting this type of insurance form and completing the process itself is not difficult to understand. Continue reading to learn more about who needs SR22 insurance in AZ and details about what this form means for drivers.
What is Arizona SR22 insurance?
The term SR22 insurance is a bit of a misnomer because it is not actually insurance. Instead, it is proof of insurance that the insurance company provides. An SR-22 form allows Arizona to know that you have the proper amount of high-risk insurance when it gives you your driving privileges back. It also allows the state to keep track of your insurance activity. This means that if your insurance is pulled at any point in time, whether due to non-payment or because you cancel it, then the government will be notified.
If the state of Arizona believes you engage in reckless driving habits, then you will be required to get this proof of insurance. Please note that the SR22 insurance quotes you receive should come from insurance companies located in Arizona since you will be required to meet at least the state’s minimum coverage requirements.
Who needs SR22 insurance in Arizona?
SR22 may be required if your license has been suspended or revoked in Arizona. There are three reasons why you may need this form of insurance proof to get your driving privileges back, which may include the following:
- You were caught drunk or on drugs while driving
- You were involved in a series of dangerous driving incidents, which added up to 12 points on your driving record within the past 12 months
- You failed to have SR-22 insurance for the period of your suspension
If you do not know if you need SR22 insurance, then you should contact Arizona’s Motor Vehicle Division. The reason on your driving record may indicate if you need an SR22 form to continue driving following a driving infraction. You can provide basic identifying personal information such as the number on your driver’s license and your birth date to locate your record.
Reinstating Driving Privileges With SR22 in Arizona
An SR22 form is only one part of the process involved with reinstating your license. First, you must clear up all driving-related court matters. You must also wait for the period of your suspension to pass before initiating the SR22 process so that you are eligible to have your driving privileges again. After that, you will need to have written approval from any judges working on your cases that you should be eligible to have your driving license privileges granted to you.
Once that has been completed, you will want to fill out the SR-22 form and bring it to your nearest DMV office. Along with bringing the form, you will also need to pay any processing fees associated with the reinstatement process. These fees will vary based on your previous record and the nature of the suspension or revocation. In addition to submitting the SR-22 form, you will also need to complete a test that verifies your eyesight. Tests that determine your understanding of road rules, such as a written exam or taken with a driving instructor, may also be required.
As an alternative to the SR-22 insurance policy, you may also deposit $40,000 to the Arizona Office of Treasurer. This office will, in turn, give you a form of proof showing you have deposited this amount, which may be used as a form of insurance against future auto accidents.
How to Get SR22 Insurance in Arizona
To get SR-22 rates, you will need to go to local insurance companies and find their quotes. However, SR22 insurance quotes may not include the premium amount for standard coverage, since there is a fee for the form. Although the government requires this form of insurance, the government does not handle it. Instead, it is a service provided by insurance companies, allowing the state of Arizona to understand the insurance status of a high-risk driver at any point in time.
When checking SR-22 insurance quotes, make sure that the insurance company is providing you with the insurance that you need. This means you must be prepared to pay the insurance for the length of time required, usually three years, although that may vary if the judge determined a different timeline. As well, you will need the amount of insurance that the state requires.
Penalties for Not Filing an SR22 Form In Arizona
If Arizona requires you to submit the SR22 insurance form and you do not, then you will not be allowed to drive in the state. If you are caught driving without this proof, then both your registration and your license will be voided until such time that you get this proof of insurance.