In North Carolina, there is no condition under state law that requires the filing of an SR-22 so North Carolina drivers do not need to worry about filing the form unless it is required in another state.
Instead of requiring an SR-22 insurance filing from drivers after certain violations of the driving laws have been made, North Carolina law requires all drivers to meet certain insurance coverage requirements before they are allowed to drive legally within the state.
After being charged and convicted of a DWI in North Carolina, the process of getting your license reinstated can be overwhelming for most as certain requirements have to be met before reinstatement of your license can be approved. One of these is obtaining a DL123 form.
The DL123 is required by the North Carolina Department of Motor Vehicles to prove that you meet the state-mandated legal liability minimums. These minimums are:
Limited driving privileges
Drivers with a first DWI offence in North Carolina can be granted limited driving privileges depending on their Blood Alcohol Content (BAC) at the time of their arrest. However, such privileges are only available to certain people. These are:
After meeting the criteria of eligibility for limited driving privileges, certain documents would need to be provided before they can be granted such privileges. These documents are:
While North Carolina drivers might not be legally required to file for an SR-22 after a DUI conviction or other traffic violations, they are required to possess adequate auto insurance before they get behind the wheel. The lack of need for an SR-22 negates the cost of filing the form but the offence that required the filing is still of importance.
Since, driving record is one of the factors affecting the quotes on insurance premiums in North Carolina, a DUI or DWI in the state would lead to a more expensive insurance premium.
In North Carolina, no SR-22 filing is required for the reinstatement of a suspended or revoked license. As such, there are no different types of SR-22 forms.
However, there are different types of insurance policies that can be bought within the state. These are:
If you have no car but are eligible to drive within North Carolina, you would be required to purchase an auto insurance policy that meets the minimum liability coverage requirements of the state before you can get behind a wheel. No one is allowed to drive in the state without an active license.
North Carolina may not require its drivers to file for an SR-22 under any condition, but it requires all drivers and motorists to possess adequate auto insurance policies. The goal is to ensure that the damages accruing from any accident or road incident can be covered by motorists. This means that the auto insurance policies have to meet certain minimum liability coverage requirements to be considered valid. These requirements are:
If you move out of North Carolina to another state and have committed an offence that requires you to file for an SR-22, you would have to file the form within your new state to keep your driving privileges.
SR-22 insurance is not a requirement in North Carolina for the reinstatement of a suspended or revoked license but every driver within the state is required to possess an auto insurance policy that meets the minimum liability coverage requirements of the state in order for them to drive legally. This policy is to be maintained for as long as the individual uses the roads of North Carolina.
What to do if the SR-22 lapses
Though there is no requirement for an SR-22 in North Carolina, all drivers are required to possess a car insurance policy and an active license before they are legally allowed to drive. In the absence of these due to a lapse in coverage, cancellation of policy or failure to renew, individuals are advised to not drive in North Carolina as that would be illegal.
How to go about cancelling my filing when I no longer need SR-22 coverage
There is no SR-22 requirement in North Carolina and the minimum liability coverage requirements, mandated by the state, must be maintained for as long as an individual still drives within the state.