New Jersey SR-22 and Insurance Reinstatement Information

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What are the published New Jersey requirements for insurance and sr-22?

Driving without insurance in New Jersey (under NJSA 39:6B) carries these penalties: a first offense means a 1-year license suspension, a court fine of $300 to $1,000, and community service. A second offense means a 2-year suspension, 14 days in jail, and a fine of up to $5,000. New Jersey does not use the standard SR-22 that many other states require. Instead, it uses its own insurer-filed FS-1 or P-7 insurance certifications. (SR-22 only comes up in New Jersey for foreign-state or court-ordered cases.) New Jersey also has a separate surcharge system called NJSVS. To get your license back after a first or second offense, you will need to: 1. Obtain auto insurance coverage. 2. Submit your New Jersey insurance ID card or declaration page. 3. Surrender your license plates if you no longer have a vehicle to insure. 4. Pay $100 for driver's license restoration, $100 for registration restoration, and a surcharge of $250 per year for 3 years. If you fail to pay the surcharges, your license will be suspended indefinitely until you do. To restore your license after a surcharge-related suspension, you pay 5% of the outstanding surcharge balance plus $100. New Jersey has no hardship, work, or conditional license option, so you cannot legally drive for any reason while your license is suspended. A third or later offense is treated as a habitual-offender case subject to discretionary review by the chief administrator and can result in permanent loss of your license. Because of this, a third offense is outside the scope of what this guide can help with, and you should consult an attorney.