Q: What happens if I am pulled over and I don’t have SR22 insurance proof?

A: Well, so long as you do have insurance and just didn’t have the SR22 insurance proof on you at the time, everything should turn out just fine. However, it will be complicated and possibly expensive, which is why you should always have your SR22 insurance proof in your car when you are out driving it.

If you are pulled over and found to have no proof of insurance, then you will be issued a citation and your driver’s license will be suspended. Unless you can prove to the police officer who pulls you over that you do have insurance, this is likely what will happen. You may be required to refile your SR22 and pay a license reinstatement fee after an initial suspension period.

However, if you did have insurance at the time, you can offer SR22 insurance proof to the DMV, and after a review, they will make a decision as to whether or not they can reinstate your license without making you follow the other requirements.