DMV SR22 Filing Canceled Due To Late Insurance Payment?
Q: I only paid my car insurance ONE DAY late, and my car insurance company canceled my DMV SR22 filing. How can they do that?
A: Although some states do have laws which mandate a grace period for late payments to auto insurance companies, in Pennsylvania there is no such law. Individual companies are able to shape their own policies which may or may not allow grace periods for DMV SR22 filing if not paid on time, and some do while others don’t. If you are worried about this happening in the future, you have a couple of solutions.
While shopping for companies, ask ahead of time if your DMV SR22 filing will be canceled if you make a payment a day or two late. Even if a company does offer a grace period, though, remember that repeated exploitation of the grace period could still lead to car insurance cancellation because it shows you to be irresponsible.
Another thing you can do is have your company set up an automatic debit from your bank account for your DMV SR22 filing payments. In any case, this will work if your problem is forgetfulness rather than lack of funds. If you do this, many companies will offer you a small discount on your premium as well.
The DMV And Your SR22
Q: How is my SR22 processed at the DMV? How does that work?
A: The Pennsylvania Department of Motor Vehicles is the department which handles all of your sr22 business, since it is also the department which handles your driver’s license. When your license is suspended, it is suspended through them, and so when it is restored it has to be restored through them.
You are able to restore your driver’s license with your sr22 in two separate ways. In one way, you have to present the SR22 form in person. Your car insurance company will send it to you, and after putting your signature on it, you will take it up to the Department of Motor Vehicles, present your form, pay the fee and anything else required in order to receive your license back, and then you’re good to go. Remember that you cannot actually drive until your physical license comes in the mail, but not with your temporary license.
One more common way for your SR22 filing is that you will go to a car insurance company and sign up to get insurance done through them, they will fill out an SR2 form and either mail it to you or allow you to print it out from their website, and then you will sign it and send it back and they will send it to the DMV themselves.
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