Will I Be Required to Get SR22 Form for Accumulated Points?
Reader’s Question:
Am I required to get an SR22 car insurance due to accumulation of points? My license got suspended by the way. I live here in Nebraska.
Harold
Omaha, NE
If your license have been suspended or revoked due to court conviction, some other administrative action or accumulation of points, you will be required to show proof of financial responsibility to the state of Nebraska. If you do not own any vehicles, you will need to purchase a non owners car insurance.
The proof of insurance certificate that the Nebraska Department of Motor Vehicles requires is called SR-22 auto insurance. This is the only form of insurance that is accepted in Nebraska for reinstating your drivers license.
In Nebraska, like in many other states, you are required to inform your insurance carrier, immediately, that you need an SR-22 form. You or your insurance company will need to mail or personally deliver the SR-22 form to the Department of Motor Vehicle unless the insurance carrier can electronically submit the filing.
What’s SR22 Insurance for Employee Permit
Q: What’s SR22 insurance for an employee permit?
A: If you have your driver’s license suspended or revoked for one of the following reasons:
- you reached the limit of points under the Nebraska driving point system
- you failed to pay something concerning support, such as child support or alimony
- you committed a DUI
you may be able to receive a temporaty driving permit called an employment driving permit if you meet certain requirements. An employment permit is only a limited license, and you can only get one if you are able to prove that you need to drive for employment reasons, and you will only be able to use your license to get to work and home–no going to school, no going to the store, none of that.
While you have your employment driving permit, you will be required to keep an SR22 on file for the time you have the permit. If your license was suspended because of a points violation, you will have to have the SR22 for a period after that as well.
What to Do if You No Longer Need SR22 Form
Q: What do I do when I go to the DMV once I no longer have to file the SR22 form?
A: Well, it depends on how exactly you came to be not having to file your DMVsr22 form. For example, if you aren’t filing the form because you cancelled your insurance coverage, then there’s nothing in particular you will have to do with the DMVsr22 office. Your car insurance company will, once they have your cancellation or once you miss a payment on your premium, file another form, which si called an SR26, with the Department of Motor Vehicles. This is the cancellation form, and will inform them that your SR22 is no longer valid. When they receive this form, your driver’s license will be suspended until you are able to get reinsured, at which time you can go through the entire reinstatement process all over again.
Now, if you chose not to file your DMVsr22 isnrance in the first place and instead go without driving for a few years, then it will be slightly different. There isn’t anything special you will have to do concerning the DMVsr22 office, but when you go will depend on which state you got your SR22 requirement in. Most states only require you to file an SR22 for two or three years, but if you choose not to file an SR22 form they want you to wait five years–doesn’t make sense, but that’s how it is. So make sure before you go that enough time has passed for you to be able to get your license back with no strings attached. Once you’re sure it has, then you can get your license back after paying all of the associated fees and fines.
