An SR-22 filing is a form issued by an auto insurance company that is submitted to the Missouri MVDL which provides proof that the policyholder has the minimum liability insurance coverage required by the state.  The SR22 filing also guarantees the Missouri MVDL that the insurance company will notify them if the insurance policy lapses at any time.

In the state of Missouri you need an SR22 filing to reinstate your driver’s license if you have gotten a DUI, been involved in more  minor moving violations in one year than the law permits, have had suspensions from unpaid fines or parking violations, or had any uninsured accidents.

The SR-22 filing period can vary from state to state.  In Missouri the SR22 filing period can be from 1 to 3 years but more serious drunk driving cases could require a longer filing period.  During this period, you cannot let your SR22 insurance policy lapse or your driver’s license will be suspended and the SR22 filing period will be extended.

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There is no clear cut answer for this question. It really depends on the insurance company that you have your SR22 insurance with. Some insurance companies are lenient and will giv e you a grace period to make your payment, and some companies will cancel your SR22 policy immediately. If you are a few days late making a payment, I would recommend contacting your insurance company and making a payment as soon as possible to avoid having your SR-22 insurance policy cancelled.

 No insurance company will put up with a policy holder that consistently misses payments though, so remember that if your SR22 insurance is cancelled, the insurance company is required by Missouri state law to report this to the MVDL. In Missouri it is required that you do not let your SR22 filing lapse or your license will be suspended.

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