Once you’ve had your driver’s license suspended or revoked, there are several steps you must take to get it reinstated. In Nebraska, part of the process includes obtaining SR-22 insurance. If you’ve been ordered to file an SR-22 but you’re unfamiliar with what this means or how to comply, learn more to ensure you successfully restore your driving privileges.

What You Need to Know About SR-22 Insurance

What is SR-22 insurance?

SR-22 insurance is not a type of coverage or policy, but rather a certificate that tells the DMV you've satisfied your financial responsibility for legally operating a vehicle. Under Nebraska law, drivers are obligated to carry minimum liability limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damages. An SR-22 proves that you've purchased this amount of coverage. 

When is it required? 

Any high-risk driving behavior can result in a court order for SR-22 insurance. It's often required when someone was convicted of driving while impaired, driving on a suspended or revoked license, driving without valid insurance, or pulled over for reckless driving. It may also be required if you failed to pay child support, legal judgments, or an excessive number of traffic tickets. 

Where do you get it?

You'll need to get your SR-22 certificate from an insurance company that offers this service. Not all providers are willing to cover high-risk drivers, which means your carrier may not file an SR-22 on your behalf even if you have insurance. Because this can cause a significant increase in your policy premium, it's best to work with an agent who can help you compare multiple quotes.

How long do you need it? 

Nebraska generally requires drivers to carry SR-22 insurance for at least three years, though the DMV will tell you how long you must keep it active. If you miss a payment or let your coverage lapse, you may lose your driving privileges again. If you receive another SR-22 order within this period, you'll likely need to have it for longer. 

If you need SR-22 insurance, turn to Fritch Insurance in Beatrice, NE. They’ll make sure you meet the state’s legal requirement for liability coverage, and they’ll take care of submitting all the appropriate paperwork on your behalf. They’ve worked with numerous high-risk drivers over the last 20 years and know how to secure the best available rates. Call (402) 223-3312 to speak with an experienced agent, or visit them online to learn more about their business.