If a person has a violation that requires SR22 insurance to be maintained with the department, that proof must be maintained for the length of their suspension or revocation period. The SR22 insurance can be maintained with a restricted license or upon reinstatement.
If the SR22 policy of insurance or a bond is cancelled or terminated, prior to completing the requirement this can result in the driving privileges being suspended for Failure to Maintain Future Proof of Financial Responsibility. If suspended, upon reapplying for an operator's license the driver must refile and maintain the SR22 insurance, pay associated reinstatement fees, and reapply for their license. T.C.A. 55-12-126
Here is list of potential reasons you will need SR22 Insurance:
- DUI
- Accident Claim
- Unsatisfied Judgement
- Accumulation of Points/Convictions
- Implied Consent/Refuse to Test
- Underage Driving While Impaired
- Hit & Run/Leaving the Scene of an Accident – Fatality
- Hit & Run/Leaving the Scene of an Accident – Personal Injury
- Hit & Run/Leaving the Scene of an Accident – Property Damage
- Reckless Endangerment by Vehicle – Felony
- Vehicular Assault, Aggravated Vehicular Assault
- Vehicular Homicide/Manslaughter & Aggravated Vehicular Homicide/Manslaughter
- Using a Motor Vehicle in a Felony
- Theft of a Vehicle or Part of a Vehicle
- Speed/Contest Racing
- Two Reckless Driving Violations in a 12-month Period
- Driving while Possessing Methamphetamine
Department of Safety and Homeland Security / Driver Services / Financial Responsibility