New Jersey SR-22 Insurance
Filing SR-22 Insurance in New Jersey
The New Jersey Motor Vehicle Commission (NJ MVC) requires the filing of an SR-22 certificate of insurance in order to restore your driving privileges under a number of situations. This proof of financial responsibility generally must be kept on file for three (3) years. The most common reason for having to submit proof of financial responsibility to the NJMVC is due to a license suspension related to Driving Under the Influence (DUI). You may also be required to file an SR-22 if you were involved in an accident without the proper insurance coverage or failed to provide proof of insurance to a law enforcement officer.
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New Jersey Insurance Requirements
Under New Jersey law, every owner or registered owner of an automobile registered or garaged in the state must maintain motor vehicle liability insurance coverage. The mandatory minimum liability limits for New Jersey are:
- $15,000 for one person in any one accident (bodily injury)
- $30,000 for more than one person in any one accident
- $5,000 for damages to property in any one accident
Failure to maintain mandatory liability coverage can result in fines, increased insurance premiums, community service, and a subsequent license suspension.
Driving Under the Influence (DUI) in New Jersey
Likely the most common reason for having to file proof of financial responsibility (SR22) is for a license suspension related to Driving Under the Influence (DUI). Also referred to as Driving While Intoxicated (DWI), driving under the influence of alcohol or drugs can have a significant impact on nearly every aspect of your life. Sanctions for a first offense DUI include fines of $250-$400, 30-day jail sentence, license suspension, compulsory alcohol education program, and an insurance surcharge of $1,000 a year for three (3) years.
Installing an Ignition Interlock Device (IID)
To get your license reinstated following a suspension for driving under the influence, the court may require you to install an ignition interlock device (IID). If you are ordered by a judge to install an IID, your license will not be restored until you have fully complied with the court order. Failure to comply with a court order could result in additional sanctions, including an additional driving privilege suspension.
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FAQs About SR-22 in New Jersey
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Get Your License Back with Breathe Easy Insurance
Breathe Easy Insurance Solutions is here to help you get back on the road. No matter what the circumstances of your case, our knowledgeable, highly-trained staff can help. We offer affordable SR-22 options. See why we are America's SR-22 Insurance Experts. We can assist you with all of your insurance and IID needs, from filing your proof of financial responsibility in seconds to finding a state-approved IID provider. Contact Breathe Easy Insurance today at 844-580-7525 to get started.
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