SR22 Offenses: Understanding and Maintaining SR22 Insurance in Minneapolis

What is SR22 Insurance?

SR22 insurance, mandated by Minneapolis, is a financial responsibility filing required for drivers who have committed certain severe traffic violations. These violations include:

1. Driving under the influence (DUI)
2. Driving without insurance
3. Reckless driving
4. Vehicular homicide

Purpose of SR22 Insurance

SR22 insurance serves several crucial purposes:

1. Provides proof of meeting minimum insurance requirements to Minneapolis
2. Protects drivers from financial liability in the event of an accident
3. Helps reinstate suspended or revoked licenses
4. Maintains driving privileges

Obtaining SR22 Insurance

Obtaining SR22 insurance is straightforward. Drivers need to provide the following documents to any licensed insurance company:

1. Valid driver’s license
2. Proof of insurance
3. Completed SR22 form

The SR22 form must be signed by the insurance company and filed with Minneapolis. SR22 insurance is typically required for:

1. 3 years for DUI offenses
2. 2 years for other serious traffic offenses

Importance of Compliance

Maintaining SR22 insurance is crucial. Failure to do so may result in:

1. Suspension or revocation of driving privileges
2. Fines
3. Jail time