SR-22 Auto Coverage in Missouri
SR-22 Auto Insurance in Missouri
Missouri uses the self-certification process during vehicle registration. While you do not have to show actual proof of auto insurance during registration of the vehicle, you must be able to show proof if stopped by law enforcement, or if involved in a crash. In Missouri, certain drivers will also have to maintain SR-22 coverage.
Missouri auto insurance laws state that failure to keep the proper insurance coverage on your vehicle can lead to driver's license suspension, fees, fines and other penalties.
SR-22 proof of insurance in Missouri
Some drivers in Missouri may be required to get and keep what is known as an SR-22 certificate. These drivers are usually those found guilty of high risk behavior. This might include driving under the influence convictions, reckless driving, excessive tickets, failure to maintain Missouri auto insurance, and other offenses.
The SR-22 auto insurance filing is simply a way for the DMV to know that you are carrying auto insurance at all times. Proof of insurance (the SR-22) must be kept on file with the Driver License Bureau for a period 2 years. Drivers who do not keep proof of insurance on file, will have their license suspended.
SR-22 certification for Missouri drivers must be obtained from a company licensed to sell auto insurance in the state. Out-of-state SR-22's are not valid. Remember, the SR-22 is not the auto insurance policy itself. It is simply a certificate stating you have insurance.