SR-22 Insurance in Nebraska
SR22 insurance in Nebraska is not actually a type of insurance, it is a form that proves a driver holds the required liability insurance coverage in order to legally drive within the state. Knowing how to get SR22 insurance can make the process easier if you find yourself in a legal situation where you must present the form to the Department of Motor Vehicles (DMV). Not all Nebraska drivers require the SR22, but if you do require this proof of insurance then you must make sure you properly obtain and submit it as required by the state.
If you are someone who needs SR22 insurance, you do not want to waste time trying to figure out all the requirements and where to start. Get all the insights you need to obtain the SR22 form so you can handle your legal obligations as quickly and as easily as possible.
What is Nebraska SR22 insurance?
SR22 insurance is actually a certificate of insurance to serve as proof of financial responsibility. This form indicates to the DMV that you now hold liability insurance as required. The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. There are many reasons why you might require an SR-22, which are outlined in detail in the next section.
If you do require the SR-22 insurance proof in NE, that means your license is or will be suspended or revoked and you cannot legally drive in Nebraska. Filing the correct documentation and meeting other requirements per the DMV can help you toward eventually reinstating your driving privileges.
Who needs SR22 insurance in Nebraska?
Not every Nebraska driver requires an SR-22 form; these are typically only required of drivers who have had problems or committed violations and are required in an effort to protect other drivers in the state. You might need to file an SR22 insurance form in Nebraska if you have had any of the following issues:
- Point Revocations: Your license might have been revoked due to an accumulation of 12 or more points in less than two years. The SR-22 form will have to be on file for three years from the date your license becomes eligible for reinstatement.
- No Proof of Insurance: If your license was suspended after a court conviction because you had no proof of insurance, then you must have an SR22 on file for three years from the date that the citation was made.
- Court Ordered Revocations: If your license was revoked because of a court conviction, then you must submit an SR22 form to be on file for three years from the date your license is eligible for reinstatement.
- Accident Suspensions: If your license was suspended because of an accident, then you must file the certificate of insurance until the date your license can be reinstated.
- Unsatisfied Judgment Suspensions: If your license was suspended because of a civil judgment in relation to an accident, then the certificate must be on file on the date your license is eligible for reinstatement.
- Default in Payment: If you fail to pay the agreed upon reimbursement of damages or injuries after an accident, then an SR22 must be on file on the date your license is eligible for reinstatement.
- Employment Drive Permits and Medical Hardship Permits: Proof of financial responsibility must be on file until your employment drive permit expires.
Reinstating Driving Privileges With SR22 in Nebraska
Filing the SR-22 form is just one step of several to reinstate your driving privileges in Nebraska. You will also be required to pay a reinstatement fee, in addition to any other payments the court might have ordered you to make if you caused any damage or injury during your driving incident or accident.
After proving your SR22 insurance to the DMV, you will also have to maintain good standing with your insurance provider for the duration of the time limit set by your specific circumstances. If, at any time, your insurance is canceled, or you fail to make payments as required, then you can face additional legal trouble and delay any potential reinstatement.
How to Get SR22 Insurance in Nebraska
To get your SR-22 form in Nebraska, you need to first contact an insurance provider. If you already have an insurance provider, start there to ask if they can provide the necessary paperwork. It is a good idea to shop around and ask for SR22 insurance quotes from multiple providers, so you can select the best company to use based on your overall needs.
The insurance company you choose will be responsible for submitting the SR22 form to the Nebraska DMV. Make sure the company has a Signature Authorization Letter on file with the DMV in order to proceed. The SR22 insurance form must include all of the following information:
- Full name of the insured
- Complete address
- Other identifying information
- A valid policy number
- Insurance company name
- Policy and certification effective dates
- Authorized signature from the company
The SR22 certificate cannot be faxed, you must submit it by mail or in person. Your insurance company should handle this submission, but be sure you follow-up to ensure you meet all the requirements.
Penalties for Not Filing an SR22 Form in Nebraska
Failure to file the SR22 insurance proof in Nebraska will result in your driver’s license remaining suspended or revoked. You cannot reinstate your driving privileges without filing the required documentation. The SR-22 must be a written certificate of insurance from your insurance provider, which must be a fully authorized provider in the state. An insurance card or policy will not suffice, you must have the form certifying that you hold the adequate liability coverage to meet your financial responsibility.