Sr 22
California SR-22 Insurance
SR-22 filing, often referred to as SR-22 Insurance in California, can be quite complex and stressful. If you have any questions, don’t hesitate to reach out to us. It’s important to note that an SR-22 is not insurance itself but rather a certification that an insurer submits to confirm coverage for a high-risk driver. This certification ensures that the driver meets the minimum liability coverage requirements mandated by a judge.
There is usually a nominal fee associated with filing, and premiums may be higher as a result. In some cases, you may need to pay your insurance premium in full, depending on your state’s regulations. In California, an SR-22 filing typically remains in effect for up to three years and can be removed after this period.
SR-22 Insurance in California
Every state has its own requirements for SR-22 filing. Common reasons include:
- DUI or DWI
- Too many points or tickets on your record
- At-fault accidents while driving without insurance
- Reinstatement if your license is suspended or revoked.
Getting Back on the Road With an SR22
Has your car been sitting in the garage or driveway lately because you’re unable to drive it legally? If you’ve fallen out of favor with the California DMV, you might need a special certificate of insurance called an SR-22 before you can get back on the road. Most drivers are unaware of this form of coverage until they are suddenly forced to look into it. Let’s examine what SR-22 documentation is all about, why you might need it, and what to do with it once you have it.
Understanding the SR22
The term “SR-22” doesn’t tell you much about this specialized document. The “SR” stands for “Safety Responsibility.” This document may also be called a “certificate of financial responsibility,” or you might hear it referred to as a bond, filing, or insurance. To complicate matters, Virginia and Florida require a similar but different document called an FR-44. An SR-22 isn’t exactly insurance; it serves as proof that you have sufficient auto insurance coverage as defined by state laws.
Obtaining Your SR22
How do you obtain your SR-22? First, you must get an auto insurance company to file this document on your behalf. If your current insurance company resists because you are now considered high risk, we can connect you with a company that will provide the necessary insurance coverage and furnish documented proof via your completed SR-22. The Secretary of State must process the SR-22 before you can obtain it, which may take 30 days or more. Until then, your license remains suspended, so avoid driving your car.
You're Certified: What Next?
When your SR-22 certificate arrives, keep it in your car or on your person at all times to drive legally. You may need to maintain your SR-22 in good standing for at least three years. Remember, your insurance provider will inform the DMV that you comply with state auto insurance laws. However, they will quickly notify them if you allow your insurance coverage to lapse.
