I went to court in Hammond because I was caught driving without Proof Of Insurance. The judge told me I needed to show proof of SR22; what is an SR22.
SR-22is actually the name of the form used by insurance companies to notify the state that an insured has the required insurance coverage. As a result people will often refer this type of car insurance as SR-22, or FR Filing. The law in Indiana states the following: When a motorist's operator license is suspended upon conviction of a major offense, that driver must submit proof of insurance to the BMV before being reinstated. This filing provides that the driver has an auto liability policy in effect that cannot be canceled without prior notice. A valid SR-22 Proof of Insurance form must be filed with the BMV for three years after the end of the suspension. If the BMV receives a cancellation notice or does not have a current SR-22 form on file at any time during the three-year period after reinstatement, the motorist's driving privileges will become suspended again.
This is why it is critical that you find an insurance agency that is equipped to issue Same - Day SR22 Insurance. If you are required to file an SR22, then your insurance company must submit the correct form in order to remove a suspension order placed by the Indiana Secretary of State's office. The filing is needed to provide a certificate to the Indiana Department of Motor Vehicles that your insurance company has issued a policy of at least the required minimum liability coverage, and that your insurance company will notify the Indiana Secretary of State»s office should the insurance ever lapse for any reason.
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