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Q

I live in Tennessee and have to file a SR-22 form because of delinquent traffic tickets. Is that a normal occurrence, needing a SR-22 forms for traffic tickets versus a DUI or drugs? Also, how long should I have to be on SR-22 insurance?


A

In Tennessee you may be required to carry a SR-22 for a variety of reasons though the most prevalent reasons are probably due to a DUI or license suspension. If you were delinquent in paying your traffic tickets then it may be that your license was suspended and thus you now are required to have the SR-22.For a list of all the reasons one might be required to carry a SR22 in TN, check with the DMV.

The TN Department of Safety states that a SR-22 form is proof of future financial responsibility as required under Tennessee Code Annotated 55-12-114. If you are required to file a SR-22, then you should contact your liability insurance representative and advise them of the needed filing with our state.

The form must be filed by an insurance company licensed through the Tennessee Department of Commerce and Insurance to issue motor vehicle liability insurance coverage in Tennessee. For the cost of this type insurance you will need to check with your insurance agent. The insurance company determines the cost.

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A SR-22 can be required for a total of 5 years from your date of suspension. If the SR-22 is filed for a total of 3 years (36 months) within the 5-year period, the SR-22 may be cancelled provided it is not required on any other suspension. If 5 years pass from the date of suspension before you reinstate your privileges, then the SR-22 would not be required. If the SR-22 is cancelled before the required time and a new form not filed, your driving privileges will be suspended.


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