For anybody who is faced with the first time they are required to buy gay friendly SR22 insurance, it can be like looking at a maze. The slight freedom which you had before in letting your car insurance lapse while you paid other bills no longer exists, and you face the options of either paying your car insurance or driving illegally on a cancelled license. Not everybody gets the Paris Hilton treatment when they’re caught for this.

So here’s a basic explanation of gay friendly SR22 insurance.

When you’re caught for a number of things, most commonly having racked up too many traffic tickets, driving drunk, or driving without car insurance, your license is often suspended. Most states require you to file proof of insurance in order to restore that license. This proof of insurance comes in the form of the SR-22 filing, which generally costs between $15 and $30. Even though the filing fees aren’t too high, the risk an SR22 requirement brings can inflate your prices like a balloon.

In most states, you have to keep your SR22 form on file for at least three years, sometimes more depending on the seriousness of the offense. If you don’t have insurance during that time, your license is cancelled.