Who Needs an SR-22 in California?

Navigating the complexities of auto insurance can be challenging, especially when it comes to understanding specific requirements like the SR-22. In California, the SR-22 is a certificate of financial responsibility that proves a driver has the minimum required insurance coverage.

Who Needs an SR-22?

Several situations may necessitate the filing of an SR-22 in California to keep or reinstate driving privileges:

• DUI or DWI convictions—If you have been convicted of driving under the influence or while intoxicated, you may need to file an SR-22.

• Serious traffic violations—If you commit major offenses, such as reckless driving or being involved in an accident without insurance, you may need to file an SR-22.

• Multiple traffic offenses—Accumulating too many points on your driving record in a short period may cause you to need to file an SR-22.

• Driving without insurance—If you are caught driving without the necessary insurance coverage, you may need to file an SR-22 to reinstate your driving privileges.

• License suspension or revocation—Drivers who have had their license suspended or revoked may need an SR-22 to get their license reinstated.

How to Obtain an SR-22

Obtaining an SR-22 involves contacting your insurance provider. Not all insurers offer SR-22 filing services, so you may need to shop around. Your agent can help you find a provider, and they will file the SR-22 form with the DMV on your behalf. It’s crucial to maintain your insurance coverage continuously; any lapse can result in the suspension of your driving privileges.

Duration of SR-22 Requirement

In California, the SR-22 requirement typically lasts for three years. You must keep your insurance policy active during this period and ensure the SR-22 form remains on file. If you fail to maintain your coverage, your insurer must notify the DMV, which can lead to further penalties.

Contact Us

Contact Bolt Insurance in Citrus Heights, California, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.