It’s a conundrum: You need to reinstate your driver’s license in order to get insurance, but you can’t get a license without insurance. It’s like the chicken and egg question, only more personally annoying.

But don’t worry.

Insurance companies that file SR-22 insurance know that many states need insurance filed before they will reinstate a driver’s license.

Essentially, insurance providers will allow you to begin your policy before you have a license. They typically allow a 30-day grace period. If you cannot prove to them that you have, in fact, reinstated your license, your policy will be cancelled, your dreams shattered, and your parents disappointed (living or dead. Disappointment transcends the living world).

So don’t do that.

When it comes time to recover your driving privileges, remember to start your policy first, and be sure to tell your insurance company that you are filing a SR-22 policy and do not have a license.

Then, go to your DMV, bring your SR-22 policy, and be sure to check back with your insurance provider that they received confirmation from the DMV.

If you haven't started shopping for SR-22 Insurance, start with our easy car insurance quote form.

The holiday season is afoot, and for some people, that means attending holiday parties and driving home under the influence.

According to the National Highway Traffic Safety Administration, there is an increase in alcohol-related car crashes and fatalities over the holidays, which equates to high insurance premiums when drivers are able to get their licenses back after a DUI or DWUI.

Furthermore, many drivers will have to get SR-22 insurance forms when they reapply for car insurance policies after losing their license.

So make sure you either have a designated driver or other ride plans before you attend a party where you are planning to drink. A DUI, alcohol classes, and increased car insurance premiums can put quite a damper on your holiday cheer.

When Irish eyes are smiling, they probably shouldn’t be behind the wheel of an automobile. Drunk driving is responsible for a great majority of vehicular fatalities. If you get caught driving drunk, there are some severe consequences that will radically change your life. One such change involves getting SR-22 auto insurance.

SR-22 car insurance isn’t really a special kind of insurance plan; it’s actually a form that you submit to your insurance provider. This is a rider to an insurance policy, in which the insurance company guarantees you will keep insurance in effect for a certain period of time. The details and regulations surrounding SR-22 car insurance vary from state to state, but there are some general guidelines that are the same everywhere.

SR-22 auto insurance is typically needed for a driver to reinstate his driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR-22 auto insurance policy.

Obtaining supplemental SR-22 car insurance is really quite easy. When you purchase liability insurance, the insurance agent can provide the SR-22 form. When the liability insurance with the SR-22 rider is purchased, the form is filed with the division of motor vehicles. Most people have their insurance agent help them fill out the paperwork over the phone since driving is out of the question at that point, but you may deliver the form in person at your local DMV.

A driver who has had his license suspended must carry a current and up-to-date SR-22 car-insurance policy for as long as mandated by law, which varies for multiple offenders. Failure to do so could result in further suspension of a driver’s license.

If you decide to change insurance companies, you must get a new SR-22 car insurance form filed before the old one expires. Once an SR-22 expires or is cancelled, the insurance company will issue an SR-26 certifying the cancelation of the policy.

—AJ Register