Certain driving violations, such as a DUI or driving without insurance, can lead to serious consequences. In these cases, the California DMV may require you to file proof of financial responsibility to reinstate your driving privileges. This is where an SR-22 comes in. Many drivers have questions about SR-22. This form is not insurance itself, but a certificate your insurance company files to prove you carry the state’s minimum liability coverage. Below, we will explore what an SR-22 is and who needs to get one.
What an SR-22 Form Is
An SR-22, also known as a Certificate of Financial Responsibility, is a document that your auto insurance carrier files with the California DMV on your behalf. This certificate confirms that you have purchased at least the state-mandated minimum amount of car insurance. The primary purpose of the SR-22 is to serve as proof that you are a financially responsible driver. If your policy lapses or you cancel it, your insurer must notify the DMV, which could result in your license being suspended again.
Who Needs an SR-22
The court or the DMV typically orders a driver to file an SR-22 for specific high-risk violations. While not every ticket will result in this requirement, serious offenses often will. You might need an SR-22 if you are convicted of the following:
- Driving under the influence (DUI) or driving while intoxicated (DWI)
- Driving without car insurance
- Being involved in an at-fault accident while uninsured
- Reckless driving
- Having your license suspended or revoked
How To Get an SR-22
To obtain an SR-22, you must first have an active auto insurance policy that meets California’s liability requirements. You then need to contact your insurance provider and request that they file the SR-22 form for you. Not all companies offer SR-22 filings, so you may need to find a new provider. An insurance agency in California that specializes in high-risk drivers can help you navigate this process and find a policy that fits your needs. Once filed, the SR-22 is attached to your insurance policy.
How an SR-22 Affects You
Having an SR-22 requirement can impact your insurance rates and driving record for several years. Most states, including California, require you to maintain an SR-22 for three years, though this can vary. During this period, it is crucial to maintain continuous insurance coverage. Any lapse could reset the clock on your requirement. After successfully completing the mandated period, it’s your responsibility to ensure the SR-22 filing is removed.
If you have other questions about what an SR-22 is or whether you need to get one, contact Saferoad Insurance today. Get a free quote so you can get back on the road legally.