I would like to know if there is a mandatory suspension for driving without insurance or is it up to the court system and county’s judge? I live in New Jersey.

Martin

Camden, NJ

Driving uninsured is a serious violation in most areas. The penalty for this violation differs from state to state but can include large fines, impounding of your car (and payment of towing and storage charges incurred), license suspension or revocation, community service or jail time. In most states, such as New Jersey, the mandatory penalties for an individual found driving without insurance are even greater than those for an individual receiving a DUI citation for the first time.

This is regulated by each state.

Also, it is likely you will have to comply with the state’s financial responsibility laws by obtaining an SR22 or SR16.

Tags: auto insurance, driving without insurance, sr22 insurance

I just want to know what is an sr22? Why does it have to be carried?

Joe

Thank you for asking Joe.

SR-22 or financial responsibility certificate is proof that you have certain types of insurance, based upon the financial responsibility laws of your state and what they are mandating you to carry.

The reasons that an SR22 can be required differently from state to state. Generally, an Sr-22 is required when insurance policy is provided to a person who was involved accident or was convicted of a moving violation and was unable to show financial responsibility. Each state has different variations of this form and the insurance requirements.

The following SR-22s are associated with the following offenses in many states

* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses or getting too many tickets in a short time period
* License suspension or revoked license

An SR-22 or financial responsibility certificate can and is mandated in many states as part of the reinstatement process after you have had your driver’s license suspended, revoked, canceled or lapsed. This can include suspension for being a habitual offender of moving violations or because of being behind in child support payments; it all depends on your specific state’s laws.

Goodluck!

MariCAR