SR-22 in Kansas City, MO
Some Missouri drivers may be required to file an SR-22 after certain traffic violations. This is a certificate your insurance company sends to the state to confirm you carry the minimum liability coverage required by law.
Why Is an SR-22 Required?
Missouri requires an SR-22 filing for drivers considered high risk due to serious offenses or gaps in required coverage. Common reasons include reckless driving, driving under the influence, repeated at-fault accidents or driving without insurance. Until an SR-22 is filed and accepted, driving privileges remain suspended. If coverage lapses during the required period, the state may extend the filing timeline or impose further penalties.
How to File an SR-22?
To start the filing process, drivers must:
- Contact an insurance provider authorized to issue SR-22 certificates.
- Purchase an auto policy that meets Missouri’s legal requirements.
- Ask the insurer to file the SR-22 form directly with the Missouri Department of Revenue.
- Confirm with the DOR that the form has been received and accepted before driving again.
What Are the Coverage Requirements for an SR-22?
The SR-22 must be attached to an auto policy that meets Missouri’s minimum liability limits. These limits help cover injury or property damage if the driver causes an accident. However, the driver may have to pay out-of-pocket for the difference if damages exceed those limits.
Premiums are often higher for drivers who need an SR-22. Some insurers may also require full payment upfront or limit policy modifications.
How Long Is an SR-22 Needed?
Most drivers must keep an SR-22 on file for three years after being eligible to reinstate their license. If coverage lapses during this period, the driver must start the filing period over again. To avoid interruptions, it’s a good idea to renew the policy at least 30 days before it expires.
Learn More
Contact Safeway Insurance Agency today to learn more about SR-22 or to get a free quote.