What you need to know about SR22 Filing in California
When it comes issues regarding auto insurance, and our driving records, rights and
privileges, sometimes we are taught things that simply are not true. Let’s look
at a few of the most common myths and misconceptions regarding the SR-22 in California:
What is the SR22 Driver Filing?
A SR-22 is a certificate of insurance filed by your insurance company directly to
the Department of Motor Vehicles. The SR-22 is issued in the following forms: Operators
Certificate, Owners Certificate, and Operators-Owner Certificate.
SR22 Minimum Liability Limits
The minimum liability limits must meet your state's requirements. Your insurance
agent can tell you what the minimum requirements are for your state.
How The SR22 Filing Process Works
There is not much for you to do in this process. All you have to do is request your
insurance company to file an SR-22 for you, then the insurance company takes care
of the rest. If you do not have insurance, or your insurance company doesn’t file
SR-22s, you can go online and search for an insurance company that does.
Avoid Future SR22 Cancellations And Suspensions
Once you have your SR-22 coverage you want to make sure it does not get cancelled
or suspended. You can do this by renewing it early. It has to be renewed at least
15 days before it expires to make sure it isn't cancelled. The earlier you renew
it, the safer you'll be and the less likely your SR-22 will be cancelled.
Alternate SR22 Proof Filing Methods
There is a way you can get around filing a SR-22 insurance policy. You have to pay
$55,000 in securities with the state treasurer.
When Is an SR22 Required?
Not all states require a SR-22 but the ones that do may require them for any of
the following reasons:
- Unsatisfied Judgments
- Major Convictions
- License Suspensions
- No Insurance Violations
- No Insurance At The Time Of The Accident