There are a few reasons you would need an SR-22 in California, the most common of these is a recent DUI on your driving record. While a DUI doesn’t necessarily mean your privilege to drive will be suspended, the state of California will frequently require a Certificate of Financial Responsibility filing with the DMV.
This certificate is called an SR-22 in the auto insurance industry and is an additional document that you must file with the DMV when you get auto insurance. A DUI isn’t the only scenario in which you would need an SR-22 but the process remains the same regardless of the reason. First you must contact your insurance agent and ask for an SR-22 filing with your insurance. When this happens, you may find that your current insurance carrier increases the rate. You can ask your agent to shop the insurance for you and, in most cases, find a program catered specifically to SR-22 drivers.
There are plenty of options for drivers looking to purchase SR-22 insurance. If your current insurance company won’t renew your policy or increases the rate, a different company with special SR-22 programs would be your best option. Your agent can find the perfect program for you, help you file the SR-22 and generally guide you through the process. Remember that when you do get the SR-22 and get new insurance, you have to wait a few days for the DMV to update their records before you go down there with your proof of insurance and SR-22 filing.
If you have any concerns or questions about SR-22 filings in California, feel free to give us a call. 323-800-2239 We can help you get a quote and answer any questions about the process of filing an SR-22 at the DMV.