Why Do I Need SR-22?
You may be ordered by the court or mandated by the state to obtain an SR-22. An SR-22 ensures you have enough auto insurance coverage required by the state. The requirement to have an SR-22 is usually due to:
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Multiple traffic offenses
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DUIs, DWIs or other serious moving violations
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Driver’s license suspension or revocation
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Violations for failure to maintain the mandatory insurance coverage required in your state
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Driving without insurance or a valid driver’s license
How Do I Know When I Need SR-22?
The state will notify you if an SR-22 is required. You will need to contact your insurance company, and they may file the SR-22 form with California DMV. If your insurance provider does not assist with SR-22 filings, you likely will need to find a new provider. An SR-22 fee may be charged and may differ by state. The filing fee usually costs around $25. Additionally, there may be an increase to your auto insurance premium cost.
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An SR-22 shows you meet the state minimum auto insurance requirements, whereas an FR-44 requires higher liability limits than the minimum limits.
How Long Will I Need The SR-22 Specific Insurance Coverage?
Generally, three years. California will notify you about specific requirements. To ensure your SR-22 remains in effect until you have met the requirements for your state, your insurance policy must remain active. If your insurance policy lapses, your insurer is required by law to notify the DMV office. Your license will be suspended until your insurance has been reinstated. Then once you have met your SR-22 obligations for the prescribed amount of time, your SR-22 status will be removed.