What happens if my SR22 policy lapses or gets canceled?

The Lapse Sequence

1. Policy cancels or lapses — Whether you missed a payment, canceled intentionally, or the carrier non-renewed.
2. Carrier files an SR-26 — Your insurance company is legally required to notify the state that your SR22 coverage is no longer active.
3. State suspends your license — The DMV re-suspends your driving privileges.

How to Prevent a Lapse

• Set up autopay — The single most effective prevention.
• Keep your carrier informed — If you're having trouble making a payment, call them before the due date. Some carriers offer grace periods or payment arrangements.
• Don't cancel without a replacement — If you're switching carriers, make sure the new policy and SR22 are active before the old one cancels.

If your SR22 has already lapsed, call us at (855) 678-6977 — we can get you re-filed the same day.