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SR-22 in Fontana, California

If you are convicted of a serious driving offense in California, you may receive an order to file an SR-22 form. Contact All Types Insurance, serving the Fontana and Artesia, California, areas, to learn more about how to file an SR-22 properly.  

What Is an SR-22? 

An SR-22 form, also known as a certificate of financial responsibility, is a form filed with the Department of Motor Vehicles (DMV) in your state that proves your auto insurance policy meets the state’s minimum requirements.  

All California drivers must purchase an auto insurance policy with at least the minimum amount of liability coverage, including the following: 

  • Property liability insurance helps pay to repair or replace third-party property after an at-fault accident.  
  • Bodily injury liability insurance helps pay third-party medical bills after an at-fault accident.  

High-risk drivers convicted of driving while intoxicated (DUI) or who have multiple moving violations may be required to file an SR-22. Contact your agent right away if you receive notice that you must file an SR-22. Your insurer files the form on your behalf.  

How Does an SR-22 Work? 

Filing an SR-22 may be one of the requirements to get your California driver’s license reinstated after serious violations. If you fail to file the SR-22 as required, you may lose your driving privileges.  

Your insurer may charge a filing fee to send the SR-22 form to the California DMV. Your agent can help you navigate the process.  

Drivers who must file an SR-22 will likely be classified as high-risk drivers by their insurer, which could lead to a premium increase. Even if you must file an SR-22 to prove you have appropriate auto insurance, you can still have full-coverage insurance as required by your lienholder if you financed or leased your car. Your agent can help evaluate your situation and get multiple quotes from reputable insurance companies.  

Why Is an SR-22 Required? 

The SR-22 form provides proof that high-risk drivers have adequate auto insurance to help pay for damages in future accidents. In California, you may be required to file an SR-22 for several reasons, including: 

  • If you are convicted of driving while under the influence (DUI) 
  • If you have numerous traffic tickets in a short amount of time 
  • If you are caught driving without a valid license 
  • If you are caught driving without insurance coverage that meets California’s minimum liability limits  

How Long Will You Need to Have It? 

An SR-22 generally has to be maintained for three years. You can contact the California DMV directly to learn more about how the requirements apply to your situation.  

When you no longer need to maintain an SR-22, contact your agent to inform them that the form is no longer required. They can help you make any necessary adjustments to your auto policy and help make sure you get the best possible insurance rates.  

How to Get SR-22 Coverage 

Insurers are not required to provide coverage to drivers who must file an SR-22 form. Depending on your situation, you may need to shop for auto insurance that meets your needs.  

Contact Us

Contact All Types Insurance Agency for more information about how to file SR-22 or to get a quote for high-risk insurance.

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