March 27, 2025
Agency
The Role of SR-22 Insurance in Restoring Your Driving Privileges
SR-22 insurance is a certificate of financial responsibility required for specific high-risk drivers in California. This document is a form filed by your insurance company to confirm that you carry the state’s minimum required auto insurance coverage. Typically, SR-22 insurance is mandated for drivers involved in serious traffic violations, such as driving without insurance, reckless driving or other offenses that indicate a heightened risk to public safety.
The Process of Restoring Driving Privileges
Restoring your driving privileges after a serious traffic violation involves several steps, with SR-22-compliant auto insurance playing a central role. The process begins with the court or DMV notifying you of the requirement to file an SR-22. This notification typically follows a conviction for offenses such as driving under the influence (DUI), reckless driving or driving without insurance. It may also be enforced if you cause an accident resulting in severe third-party injuries.
Once you receive the notification, you must contact your insurance provider to ask them to file the SR-22 form. Not all insurers offer this service, so you may need to find one specializing in high-risk policies. The insurer will then file the SR-22 form with the DMV, confirming that you have the liability coverage that state laws require.
Maintaining continuous coverage is essential during the mandated period. Any lapse in coverage can result in suspending your driving privileges and additional legal consequences. Consider setting up automatic payments or reminders to avoid lapses. Insurers must inform the DMV if an SR-22 policy is canceled, which could lead to license suspension.
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Contact GD Tax & Insurance to learn about your SR-22-compliant auto insurance options and get a 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.