Who needs to file for an SR-22?
An SR-22 is usually considered a certificate of insurance that proves that one is claiming future financial responsibility. It is enforced by most DMV offices for "high-risk," insurance policies, for motorist that have either been:
Convicted of a DUI/DWI ( Driving under the influence) / (Driving while Intoxicated)
Failed to maintain auto insurance
Restricted or no license
Failed to have auto insurance when an accident occurred + deaths or injuries have occurred
Safety Responsibility suspensions, meaning serious driving violations, such as: No insurance, Reckless driving
Before an individual files for an SR-22 & before they can have their driving privileges reinstated, they must be covered with the minimum liability auto insurance. An individual will have to meet or call an Auto Insurance Company in order for the filing to be given to the DMV, stating that the motorist has met the state of California's minimum requirement or auto insurance. The SR-22 document will ensure the DMV, that the motorist will be financially responsible for their driving. The following steps are how to file for an SR-22:
Contact a DMV authorized Auto Insurance Agency/ Broker office to request a filing
Pay the correct processing fee to the agency & Request a QUOTE from the insurance agency
In the State of California, the minimal amount of coverage for 1 accident is approximately $15,000 for 1 individual killed and/or injured, $30,000 for 2 or more individuals killed and/or injured + $5,000 for property damages.
Once the request form is received by the agent, the central office delivers it to the DMV, where it should be obtained within 30 days
If the request is authorized, the motorist will acquire their SR-22 from the auto insurance agency and a letter from the Department of Motor Vehicles (DMV)
The individual must keep the SR-22 Status for 3 years (36 months)+ (Do not need to refile each year), and if they fail to do so, they will have their driving record suspended and will have it suspended until their insurance is once again valid and reinstated.
The State of California offer different types of SR-22 Forms
The Operator Policy/ Nonowner SR22- for individuals that do not own a vehicle
The Owner Policy- for individuals that own the vehicle
The Broad Policy- for the individual that owns and/or doesn't own multiple vehicles
What does an SR-22 cover?
An SR-22 usually covers property damages and any liability that occurs in an accident if the motorist was involved. It covers the motorist liability to the other individuals that were involved in the accident. This means that the SR-22 protects the ones those other individuals that were involved in a collision with the motorist.