California SR22 is a financial responsibility form that people must file with the state for various reasons. Some of the more common reasons for SR22 insurance include:
- Operating a vehicle without insurance
- Getting too many tickets (points) against your driver record
- Having a DUI conviction
- Driving a car without a license
- Child support obligations
- Court judgments
- Getting an SR22 insurance certificate
Getting an SR22 insurance certificate
Not every insurance company provides high-risk insurance. If you need a California SR22 filing, you may find that your current insurance company doesn’t offer it. Some insurance providers may cancel your auto insurance policy if you need an SR22 filing. UltraCar Insurance can help you reinstate your license and find the best solution for your case.
Owner and Non-Owner California SR22
California SR22 is a certificate endorsed to an auto insurance policy. If you don’t own a vehicle, it’s added to a non-owner insurance policy. (See SR22 insurance without a car in California for information on non-owner insurance.)
How does SR22 insurance work?
Your insurance provider files your certificate with the California DMV, reinstating your driver’s license. When it reinstates your license, the state requires a “guarantee” that you have insurance when operating a vehicle. Therefore, the insurance underwriter monitors the SR22 policy to make sure your policy remains current. If your policy lapses, the insurance underwriter submits an SR26 form to the DMV, which cancels your SR22 certificate and results in repeat license suspension.
More about California SR22
Get more information about financial responsibility on the California DMV website.
UltraCar Insurance agents are California-licensed insurance professionals who will find the best policy and rate for your situation and budget. Call us for a free, no-obligation consultation and a California SR22 quote, or click the quote button to start an online quote. Get affordable high-risk auto insurance at an affordable rate with no filing fees!
