In the state of Connecticut, an SR22 insurance certificate is required when a driver fails to provide proof of insurance, commits a criminal offense while driving, or fails to meet filing requirements as determined by the Connecticut Division of Motor Vehicles. A Connecticut SR22 insurance form simply shows that the driver has created a financial obligation with the insurance company. This obligation shows the DMV that the driver will have insurance in the present and in the future. The SR22 must be carried at all times by the driver, just like regular auto insurance. In addition to this, the SR22 form will need to be filed with the auto insurance policy to the DMV.
Failure to report any changes in policy to the DMV will result in a warning, and then possibly a fine or license suspension. As with many other states, Connecticut requires their drivers to have a minimum amount of liability insurance. If these requirements are not met, then a court order to obtain an SR22 insurance policy will be mandated. A policy is also required for any offense that occurs on their roads. These offenses can be from causing an accident, failing to provide proof of insurance, or driving while intoxicated. In Connecticut, punishment for all offenses are the same, regardless of severity. All of the above will require the acquisition of a policy for a minimum of three years. This goes for first offenders as well.
Until a policy is obtained from the offender’s insurance company, their license will be temporarily suspended.Policy’s are offered by most reputable insurance companies, however, many small insurers do not provide SR22 services. If you are insured by one of these companies and fail to provide proof of insurance, then you will have to switch insurers to obtain a new policy. The DMV must be notified of this change immediately. If a driver’s insurance is terminated due to a fault of their own, then the DMV may renew the penalty sentence. Failure to report any changes to a policy will result in the suspension of a license. Any repeat offenders will get double the sentence until their license is terminated. An offender on a three year policy will then receive an additional five years, and then a doubled sentence thereafter until termination of the license occurs after twenty years is reached.