Because an SR-22 is associated with high-risk auto insurance, it is important you properly file the required documents. Also, keep in mind, a teen driver designated as a high-risk driver must also file an SR-22 if required.
Here are the necessary steps:
- Contact a state-authorized insurance agency to request for a SR-22 filing.
- Pay the processing fee to the agency. You can request an online car insurance quote.
- As per the State laws of Alabama, the minimum amount of coverage is as follows:
- $25,000 for one person killed or injured
- $50,000 for two or more persons killed or injured
- $25,000 for property damage.
- Upon receiving the request from the agent the central office then sends the SR-22 directly to the Department of Motor Vehicles in about 30 days.
- If accepted, you will receive the SR-22 from the agency along with a letter from the DMV.
- The SR-22 has to be maintained for a minimum period of 36 months. If the driver does not renew it at least 15 days before the expiration date the agency notifies the State. The State may then suspend the driving record of the motorist until the insurance is reinstated. So it is a good idea to renew the SR-22 at least 45 days in advance.
If your vehicle registration is suspended due to a car insurance violation you will have to pay the following fees to have it reinstated:
- $200 for your first offense.
- $400 for your second and subsequent offenses.
FOR OUT OF STATE RESIDENTS
In case you move to another state, the requirements of your new state of residence will be applicable to you. Contact your insurance company for more information.
The motorist can file a surety bond or a real estate bond approved by a court of record as an alternative option of indicating financial responsibility. A motor vehicle liability bond shall not be of an amount less than $50,000.
Alabama Department of Revenue Motor Vehicle Division
P O Box 327650
Montgomery, AL 36132-7650
2545 Taylor Rd Montgomery, AL 36117