If you’re guilty of a DUI (Driving Under the Influence) or driving without insurance violation, the state may require you to provide an SR-22.
SR-22 is a certificate that indicates a driver has acquired the minimum auto insurance coverage.
You’ll need to apply for the SR-22 certificate to adhere to the state or court’s direction. The SR-22, issued to high-risk drivers, is also called the ‘’Certificate of Financial Responsibility’.’
Although SR-22 coverage comes at a cost, it protects drivers, passengers, and other road users. If you’re looking for SR-22 on short notice, consider speaking to an experienced car insurance provider.
Here’s what you need to know.
An SR-22 is a certificate that assures the court or police officer that you’re carrying minimum liability insurance. A state officer or a judge can order anyone who has committed a DUI offense to seek SR-22 coverage.
Here are the common reasons why you might be required to get an SR-22 include:
You can get an SR-22 from any car insurance company. However, the insurer has to apply for the SR-22 from the state. Since SR-22 is a document that indicates you have minimum liability protection, you’ll have to make plans on how to acquire auto insurance.
Here are the two ways of obtaining the certificate:
Many states have varying periods where drivers must carry the ‘’Certificate of Financial Responsibility’’. Nonetheless, most states, including California, require high-risk drivers to maintain the SR-22 for three years.
The validity of SR-22 is in line with revocation or suspension, which can last several months to a few years.
If you’re categorized as a high-risk driver, you’ll have to acquire an SR-22 certificate. Driving without an SR-22 could attract a hefty fine, license suspension, or revocation. You also need basic insurance to protect yourself against financial loss if an accident occurs.
At Panorama Insurance, we work with multiple insurers to give our clients a tailored product that exceeds their expectations.