The filing of an SR-22 form with the Nebraska Department of Motor Vehicles is required by the state before a suspended or revoked license can be reinstated. Certain violations can lead to such a license suspension and some of them are:
In the event that any of the above violations have been committed, the state would require that a driver file an SR-22 which is basically a proof of future financial responsibility on the part of the driver.
The cost of filing an SR-22 form in the state of Nebraska is usually between $20 and $50, depending on the insurance provider doing the charging. However, compared to the increased premiums that would be required of an offending driver, the fee is insignificant.
An SR-22 is usually required as a result of a traffic offense and the filing of the form means that a driver has been legally recognized by the state as high risk. The insurance provider thus, takes this high risk status into consideration and subsequently charges such a driver higher rates as a result.
If you are required to file an SR-22 but do not own a car, you would still be required by the state of Nebraska to file the form if you ever want to legally drive within the state. Along with the filing, you must also purchase an auto insurance policy that meets the state requirements. The same goes for drivers with suspended or revoked licenses. Only upon the filing of the SR-22 form and purchase of a valid insurance policy can the licenses be reinstated.
To file for an SR-22 in Nebraska, you need to have a valid insurance policy with a provider that issues SR-22 forms in the state. The valid insurance policy purchased with such a provider must also meet the following state-mandated minimum requirements:
Once the policy has been purchased and the filing fee has been paid to the provider, the insurance provider can file the form with the state on your behalf.
If you are from out of state and you have an SR-22 from your previous location, the Nebraska Department of Motor Vehicles required you to submit an out-of-state SR-22 filing directly from the home office of your insurance company/provider.
If you are moving from Nebraska to another state but you have an SR-22 within Nebraska, you would still be required to maintain your SR-22 till your mandate is complete.
In Nebraska the length of time for which an SR-22 filing must be maintained is unique to every situation. For instance, different terms and duration of maintenance must be set for point revocations, lack of proof of insurance and unsatisfied judgment payments. So, depending on the situation, the court would determine how long the SR-22 is required but it usually is between three to five years.
What to do if the SR-22 lapses
If your SR-22 insurance coverage lapses, is not renewed or is cancelled during the filing period, your insurance provider is required by law to report this to the state. This would further result in your license being suspended again and extra penalties could be awarded.
To avoid this fate, you might like to renew your policies weeks in advance and, in cases of a change in policy or provider, wait for the new policy to kick it before cancelling the old one.
If your license is suspended again, you would need to renew your policy and pay whatever reinstatement and court fees may accrue though, your failing period may be reset.
How to go about cancelling my filing when I no longer need SR-22 coverage
Once the mandated period of filing has been completed, you no longer need the SR-22 filing. You should first call the Nebraska Department of Motor Vehicles to confirm the completion of your mandate before contacting your insurance provider for the cancellation of the filing. Following the cancellation of the filing, your insurance premiums should return to normal.