Administrative Insurance Action
If you are stopped for a traffic violation and the officer determines that you do not have insurance in effect, you may be served with an Affidavit and Notice of Suspension. This form will advise you that you must either obtain SR-22 insurance within 7 days or request a hearing through the DMV. If you do neither, then on the 8th day your license will be suspended and you may not drive until you reinstate.
If you timely request a hearing, you may be granted a temporary permit which would allow you to drive up until the date of the hearing. However, the only issue at the hearing will be whether you had an insurance policy in effect on the day you were ticketed.
If the Hearing Officer determines that the suspension is proper, by law there are no driving privileges that can be granted. However, assuming there are no other restraints in effect, and this is your first suspension of this type, you may be able to reinstate after as you obtain SR-22 insurance. On a second suspension, your driving privileges will be suspended for 4 months, and on a third suspension, your driving privileges will be suspended for 8 months.
Legal Authority: C.R.S. § 42-2-127.7
*Disclaimer: This summary was prepared by the Department of Revenue Hearings Division and should be used as a reference only. Interested parties should refer to the full text of the law and seek legal counsel before drawing conclusions.