What Is an SR-22 in Indiana? With the exception of eight states, all U.S. states require high-risk drivers to file an SR-22 form, which provides proof of future financial responsibility after your driver's license has been suspended. Prepared by your insurer but filed with your state's DMV, an SR-22 will raise your premium, as they are an indicator of high-risk driving. In Indiana, SR-22s are necessary in four license-suspension scenarios, and must be filed with the Bureau of Motor Vehicles. SR-22 Defined o In the U.S., SR-22 filing is required to reinstate a driver's license once his original suspension has ended. By filing an insurer-prepared SR-22, the driver is proving that he is insured with the state's minimum insurance requirements, and is therefore fiscally responsible on the road. Once filed, the state will return the driver's suspended license, but the SR-22 must stay on file for three to five years. As expected, SR-22 forms come at a financial cost, as your insurance premiums will rise once an SR-22 is requested. Indiana's SR-22 System o Four types of traffic infractions can lead to license suspension and the need for an SR-22: failure to appear in court after a traffic citation, driving without the state's minimum insurance requirement, accumulating more than 10 traffic violations in a 10-year period or driving a car while intoxicated. Insurance Policy Requirements o In Indiana, SR-22 forms must remain on file with both the BMV and your insurance company, which is legally obligated to warn the state if you fail to make payments or drop your insurance policy for any reason. If your policy lapses, the insurer must electronically submit an SR-26 form to the BMV, which will immediately re-suspend your driver's license. Keeping your payments on time and your policy current will help you avoid this scenario. Border Crossing o If you re-locate from Indiana to New York or North Carolina, two of the eight states that do not require SR-22 insurance, you do not need to keep your Indiana SR-22 filing on record, as these states do not recognize SR-22 status. However, in the other six states -- Delaware, Kentucky, Minnesota, New Mexico, Pennsylvania and Oklahoma -- you must keep your Indiana SR-22 on file for the remainder of your three-year period, just like any other of the 42 states with SR-22.
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