Posted by Joey Hernandez
Most people don’t become familiar with an SR-22 until they find themselves in a situation where they need to. Going through the process of filling out an SR-22 can be a new and stressful process for many. It’s common to assume that an SR-22 is just another type of insurance, but this is actually not true. An SR-22 is not an insurance policy, but rather an additional piece of documentation to attach on to your current insurance policy. It certifies that you meet the minimum state requirements for liability insurance following a serious traffic offense, or multiple offenses, in a short period of time. In other words, an SR-22 is not an insurance policy, but a form that you are legally required to have in addition to your normal car insurance for a time period designated by a court or state.
What’s the Difference Between a Wet Reckless and a DUI?
There are a few distinctions between a Wet Reckless and a DUI. Firstly, a Wet Reckless is not a DUI charge. A wet reckless may also not have the same consequences as a DUI with employers or licensing agencies, either. A very critical difference between the two is that the respondent can state in court that they were convicted of reckless driving, which would appear on their criminal background check. A DUI conviction will cause an automatic license suspension, while a Wet Reckless will not. Drivers with a Wet Reckless will also not need to have an Ignition Interlock Device (IID) installed in their vehicle. However, they will have two points added to their driving record. Due to this, their insurance rates will likely go up, and they will lose their safe driving discount, if they have one. The max jail time for someone with a Wet Reckless is 90 days, while a DUI has as much as 6 months.
If I Have Been Charged With a Wet Reckless, Do I Still Need to File an SR-22?
This is up to the DMV. Even if the court does not suspend your license, the DMV may still do so. Submitting an SR-22 for a Wet Reckless will be requested if you experience a loss at a DMV Administrative Per Se hearing.
How to Obtain An SR-22 Insurance Policy
Obtaining an SR-22 form can be stressful, but with Joey Hernandez Insurance Solutions, it doesn’t have to be! You can get instant SR-22 filing and get your license reinstated the same day you contact us. Give us a call today at (866) 772-1114.