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If you’ve found yourself in a situation where you need SR-22 filling, you may have questions and concerns about what it entails. SR-22 is not an insurance protection but a certificate some states require for high-risk drivers.
An SR-22 certificate of financial responsibility proves you have Auto insurance coverage meeting your state’s minimum requirements. It is typically required for drivers involved in serious traffic violations, such as driving under the influence (DUI), driving without insurance, or multiple traffic offenses.
Why is SR-22 Required?
In California, maintaining or reinstating your driving privileges after a serious offense may require obtaining an SR-22. This certificate proves to the Department of Motor Vehicles that you have purchased at least the minimum required liability insurance in the state.
If you are required to have an SR-22, you will receive an order from the court or the state. Failure to obtain the necessary SR-22 could lead to suspended car registration and driver’s license.
Obtaining SR-22 Filling
Secure your SR-22 filling seamlessly by opting for a stand-alone Non-Owner policy or adding it as a filing to your Auto insurance. Please remember that if your Auto insurance gets canceled, your SR-22 filing will also be affected. To ensure continuous compliance, consider converting your Auto insurance to a Non-Owner SR-22 policy if you no longer have a vehicle and do not need Auto coverage but still require the filing.
To get SR-22 insurance, simply contact your insurance provider or broker and request the necessary filing.
It’s important to note that not all insurance companies offer SR-22 filings, so it is essential to find one that does.
Impact on Insurance Rates
Having an SR-22 requirement does not increase your rates per se. The accident you’ve been involved in, the violations, or a DUI – is what plays a role in your insurance premium increase.
In California, SR-22 is usually required to be filed for 3 years. However, the DUI, for example, stays on your driving record for 10 years.
Of course, this does not mean you are stuck with elevated rates forever. Take it as a wake-up call, as a setback. Learn your lesson, and comply with all the requirements by the court for now. With time, your violations will fall off, and the rate will improve.
SR-22 vs. Regular Auto Insurance
It’s important to understand that SR-22 provides no coverage or protection. It is simply proof of financial responsibility.
Compliance and Lapses
Staying compliant with your SR-22 requirements is crucial throughout the mandated period. Any lapses in coverage or failure to renew the policy could lead to serious consequences, such as license suspension or extended SR-22 filing periods.
SR-22 may seem daunting, but it is a necessary step to regain your driving privileges and demonstrate financial responsibility. If you need SR-22 filing, don’t worry—many insurance companies specialize in assisting with that. By staying informed, maintaining continuous coverage, and driving responsibly, you can navigate this phase and eventually return to standard Auto Insurance rates.
Our agency has access to multiple insurance companies that offer SR-22 filing, and we can issue it instantly.
If you need SR-22 filing, contact us for a free quote or consultation.