If your SR22 policy lapses, is canceled, or is not renewed for any reason, your insurance company is legally required to file an SR-26 form notifying the state. Consequences include immediate suspension of your driver’s license, potential extension of your SR22 filing period (your 3-year clock may restart from zero), additional reinstatement fees, and potential fines. An SR22 lapse can effectively put you back to square one. If you’re having trouble affording premiums, contact your agent before the policy lapses to explore cheaper options.
