Common Reasons Drivers Need SR-22 Insurance

Many drivers only learn about SR-22 requirements after receiving a notice. If your driving record includes certain violations or incidents, you may need to file an SR-22. GD Tax & Insurance is here to help explain common reasons why this may be required.

What Is SR-22 Insurance?

SR-22 insurance is not a separate policy. It’s a certificate your insurer files with the motor vehicle department to prove you carry the required auto liability coverage. It may be needed by drivers who are considered high risk after certain violations or incidents.

Common Reasons Drivers Need SR-22 Insurance

An SR-22 filing may be required in situations such as:

• DUI or DWI convictions: If you’ve been convicted of driving under the influence of alcohol or drugs, the DMV will likely require an SR-22 before reinstating your license.
• Driving without insurance: Being caught driving without valid auto insurance can result in a suspended license and a requirement to file an SR-22.
• Multiple or serious traffic violations: Accumulating too many points on your driving record, or being involved in serious offenses like reckless driving, may trigger the need for SR-22 insurance.
• At-fault accidents without insurance: If you cause an accident while uninsured, you may need to file an SR-22 to regain your driving privileges.
• License reinstatement after suspension or revocation: In many cases, the DMV will require an SR-22 as part of the process to reinstate your driver’s license.

Drivers may need to keep an SR-22 on file for several years. If the policy is canceled or the filing ends, the motor vehicle department may suspend the license and impose additional penalties.

We Can Help California Drivers

Contact GD Tax & Insurance today to learn more about SR-22 filing requirements and get a free 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.