Delaware SR22 Insurance

Even though Delaware does not require drivers to carry SR22 insurance you are still usually required to carry an SR22 if you have moved from a state that you were previously required to carry an sr22. This is because you must still meet the requirements legally mandated by your former state.

In Delaware, it is not mandatory for drivers who have failed to have the proper amount of liability insurance, or who have violated the law, to purchase Delaware SR22 insurance. SR22 insurance is another policy entirely separate from auto insurance. Any previously existing SR22 sentences from other states must still be filed if you move to Delaware. The Delaware SR22 insurance certificate is then used by the driver as a regular insurance card. This means that not only does the driver have to present proof of insurance upon request, but also must present their Delaware SR22 insurance certificate. This rule applies to everyone who is required by law to carry SR22 insurance in the state of Delaware.

Delaware SR22 insurance must be filed to the Delaware Division of Motor Vehicles when requested. This means that the driver’s auto insurance, as well as their SR22 insurance certificate must be sent at deadlines that are more strict than ones for the driver with a clean record. There are numerous penalties for missing deadlines. If you do not send your SR22 insurance with your regular auto insurance then the state which issued the mandate will fine the driver, and in some cases suspend their license. Not filing a SR22 insurance certificate altogether will result in license suspension until proof is received. Often the mandatory period for which a first time offender has to hold on to an out of state SR22 insurance policy is three years from the date of the mandate. However, depending on the state, this period can differ. For drivers that are convicted of DUI, the punishment can be prolonged. In the state of Delaware, simply being convicted of DUI results in a year long suspension of the driver’s license. After this suspension is over with, the period for which you must maintain a out of state Delaware SR22 insurance policy begins.

Also, many states require that drivers who do not own or have an operating vehicle, but still require SR22 insurance, must maintain the policy. This also applies in Delaware for out of state policies. This is because SR22 insurance is legally binding, and must be upheld. In most states, repeat offenders receive higher sentences. For failing to provide proof of insurance, a second offender can expect to have SR22 insurance for five years. For each offense after the second, the sentence will double. Drivers who repeatedly get convicted of DUI will receive the initial three years, and then ten years for second offenses. Third offenses will result in twenty years and a prolonged suspension of the license or permanent termination.