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How states handle coverage lapses during the SR-22 period
States enforce SR-22 insurance lapses using zero-tolerance, administrative, or discretionary models to ensure continuous liability coverage and protect road safety.
- Across the United States, state governments vary in how they enforce SR-22 lapses, with some imposing automatic suspensions while others use discretionary review, risking drivers' legal ability to drive.
- An SR-22 certificate of financial responsibility proves drivers carry minimum liability insurance, required because certain offenses increase risk; lapses in the insurance policy signal failure to meet financial responsibility.
- DMVs typically weigh factors like lapse length and prior compliance before acting, and insurers commonly notify state departments of motor vehicles immediately when an SR-22 policy lapses, prompting reviews and tailored reinstatement steps.
- Some states suspend licenses and registrations and require reinstatement fees after an SR-22 lapse, while drivers may receive notices, fines, or administrative steps; quick resolution can preserve the original SR-22 term.
- Administrative-Enforcement states such as Colorado, Georgia and New Jersey balance penalties with practicality for short or billing-related SR-22 lapses.
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Total News Sources22
Leaning Left2Leaning Right0Center17Last UpdatedBias Distribution89% Center
Bias Distribution
- 89% of the sources are Center
89% Center
11%
C 89%
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