Navigating SR-22: Your Guide to Getting Back on the Road with Legacy Financial Group

Being required to file an SR-22 can be a confusing and stressful experience, but you don't have to go through it alone. Whether you're in Colorado or another state, Legacy Financial Group is here to help you get the coverage you need to reinstate your driving privileges. We specialize in finding low rates for high-risk drivers, all while providing the great customer service you deserve.

What is an SR-22?

An SR-22 is not an insurance policy itself, but a certificate of financial responsibility that your insurance company files with the state's Department of Motor Vehicles (DMV). It's proof that you have the minimum liability coverage required by law. It's often mandated for drivers who have had their license suspended or revoked due to:

• DUI/DWI convictions.
• Driving without insurance.
• Serious or repeat traffic offenses.
• At-fault accidents while uninsured.

SR-22 Requirements in Colorado

In Colorado, if you're deemed a high-risk driver, you'll likely need to file an SR-22 to reinstate your license. This is a common requirement after a DUI or driving without insurance. The SR-22 must be filed electronically by your insurance company with the Colorado Department of Revenue. You are typically required to maintain this filing for a minimum of 9 months, but it can be for up to three years depending on the specific offense. A lapse in coverage will be reported to the DMV and will lead to the re-suspension of your license.

General SR-22 Requirements in Other States

While the purpose of an SR-22 is consistent, the specific requirements vary significantly from state to state. Here are some key differences:

• Duration: The length of time you must carry an SR-22 varies, with most states requiring it for two to three years. In some cases, it can be longer.
• Non-Owner SR-22: Many states, like Colorado, offer a non-owner SR-22 policy for individuals who don't own a vehicle but need to meet the filing requirement to get their license back.
• FR-44: A few states, such as Florida and Virginia, use a similar form called an FR-44, which requires even higher liability coverage than a standard SR-22.
• No SR-22: Some states do not use SR-22s at all. If you move from a state that requires an SR-22 to one that doesn't, you must still maintain the SR-22 according to the requirements of the state where the offense occurred.

Low Rates & Great Customer Service

Requiring an SR-22 often results in higher insurance premiums, but we can help. Legacy Financial Group is dedicated to finding you low rates by:

• Comparing Quotes: We work with a variety of insurance carriers that specialize in high-risk policies, so we can compare rates and find you the most affordable option.
• Finding Discounts: We'll help you find and apply for discounts you might still be eligible for, even with a violation on your record.
• Customizing Your Policy: We'll help you select the right level of coverage to meet state requirements without overpaying.

Beyond just the price, our great customer service is what truly sets us apart. We understand this is a difficult situation, and our team is here to provide personalized support. We will guide you through the process, handle the electronic filing of your SR-22, and ensure you have all the information you need to stay compliant.

The Risks of Not Having Adequate Coverage

The penalties for not having the required SR-22 filing or allowing your coverage to lapse are severe. Your license will be re-suspended, and you could face significant fines, additional reinstatement fees, and even jail time for driving without a valid license or insurance. Don't risk further complications. Let Legacy Financial Group help you secure the right coverage to meet your state's requirements and get you back on the road legally and safely. Contact us today for a free quote.