What to Expect When Your SR-22 Term Ends

An SR-22 is a certificate of financial responsibility required for drivers who have committed certain violations, such as DUIs or driving without insurance. When your SR-22 term ends, it marks a significant milestone in your journey toward regaining normalcy in your driving record.

What Happens When Your SR-22 Term Ends?

The following is what you can expect when this term concludes:

• Automatic removal—In most cases, the SR-22 will automatically be removed from your auto insurance policy once the mandated period ends, typically ranging from two years to five years. However, it’s crucial to confirm this with your insurer to ensure there are no lingering requirements.

• Driving record changes—Once your SR-22 term concludes, check your driving record to confirm that all penalties and fines have been resolved. This is imperative to help prevent any unforeseen problems that might impact your driving privileges.

• Insurance adjustments—One of the most noticeable changes at the end of your SR-22 term will be in your auto insurance premiums. While the SR-22 certificate often results in higher premiums due to the high-risk status associated with this document, the end of this term can lead to a reduction in your rates. Yet, this decrease might not be immediate, as your insurer may impose a probationary period to monitor your driving behavior.

• Driving practices—To benefit fully from the end of your SR-22 term, it is essential to maintain good driving habits. Do your best to avoid traffic violations and consider enrolling in a defensive driving course to enhance your skills and possibly earn extra discounts on your auto insurance.

• Coverage discussions—Stay in touch with your insurance agent to verify that the SR-22 has been removed from your auto insurance policy. This communication can also help you explore options for lower insurance rates and ensure that your coverage meets your current needs.

Learn More

Contact Drivers Insurance LLC to learn more about the implications of an SR-22 certificate.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.