In Colorado, residents who have had their license revoked or suspended must file a Proof of Insurance, or SR-22, form with their insurance carrier. This document requires the insurance carrier to report the lapse in coverage. A policyholder must maintain the SR-22 for the duration of the license suspension, revocation, or longer if the cancellation resulted from an accident.
SR-22 insurance is required for those who have received DUI convictions. Failure to do so can result in a suspension or loss of your license. As such, it is critical to follow all laws regarding insurance, especially when driving in Colorado. Even if you have never had a traffic ticket or DUI, not following these rules could cost you your license and cause you to get into an accident. If you have had a recent traffic accident, it is vital to have auto insurance.
Colorado, the state has stringent DUI conviction laws. Even the first DUI offense can result in jail time, fines, public service requirements, and mandatory SR-22 insurance. You can view the Colorado DUI conviction chart to see the severity of your punishment. A DUI conviction in Colorado requires a BAC of 0.08 or higher. If your BAC is lower than this, you will still have to submit an SR-22 form to your insurance company. If you don’t maintain this document, the Colorado DMV will suspend your license and impose additional penalties and reinstatement fees.
If you are a high-risk driver, obtaining an SR-22 form as soon as possible may be a good idea. The state requires this document to be renewed for at least 36 months. Filing an SR-22 is relatively simple and cheap, though it can cost you a few years of higher premiums. A valid SR-22 certificate can prevent you from being suspended from driving.
Whether driving a motorcycle or a car, you may need a Colorado SR-22 insurance policy to drive legally. Getting a motorcycle insurance policy is a cost-effective way to reinstate your license while fulfilling the state’s financial responsibility requirements. It’s also a less expensive alternative than a car policy. However, ensure you find a policy that overlaps your other insurance policies.
In Colorado, an SR-22 insurance filing is required following a DUI conviction or DWAI. Depending on your specific circumstances, your insurance company may need you to pay a reinstatement fee, take court requirements, or install an ignition interlock device before you can get a license again. An SR-22 filing can increase your insurance rates because you are considered a high-risk driver.
Not everyone needs SR-22 insurance in Colorado. However, having one is a good idea if you have a clean driving history. This type of insurance is required only if you have been suspended or revoked for a primary traffic offense. A successful SR-22 filing in Colorado will also protect you from a suspension of your license. Contact your state’s DMV to learn more if you need to obtain an SR-22 in Colorado.