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QuestionInsurance Question  My daughter, who is 17, received a ticket here in Iowa for 24 miles over the speed limit. She does not have her full license yet. Will she lose her license, and will she have to go on SR22 insurance? Thank you.

AnswerAuto Insurance Answer

From what we have read your daughter may need to go through the Iowa remedial driver improvement which applies to all drivers under age 18. According to the IA driver’s manual a driver will be referred if involved in one moving violation or involvement in an accident to which the driver contributed.

It goes on to say that both the driver and a parent/guardian must participate in an interview with a Department of Transportation (DOT) official and that the DOT official may impose additional driving restrictions or impose a suspension. Also one must begin 6-month or 12-month accident- and violation-free driving period again to qualify for next licensing level.

The DOT can suspend your minor’s restricted license or minor’s school license for conviction of just one traffic violation.

If you are convicted of two or more violations, your license will be revoked for at least one year. It is important to note that a suspension or revocation of a minor’s restricted license or a minor’s school license also suspends or revokes your instruction permit and/or other driving privileges you hold.

To get your driving privilege back after a suspension or revocation you must go through a reinstatement process which may include passing required tests and paying appropriate fees. The Iowa the Office of Driver Services notes that if your driving privilege is taken away you may have to show future proof of financial responsibility.

Your daughter should contact the court listed on her speeding ticket as well as the IA DOT to find out more about what penalties she may be receive if convicted of this offense. The DOT should be able to tell her if her license will be suspended and if so what the reinstatement process is and if it includes obtaining a SR-22.

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