SR-22 Insurance in California: Who Needs It and How to Get It

SR-22 insurance isn’t a separate auto insurance policy; it’s a certificate your insurer files with the state to prove you have the required liability coverage. In California, you may be required to file an SR-22 if:

• Your license has been suspended or revoked due to severe traffic violations, such as DUI or reckless driving
• You’ve been caught driving without insurance or a valid license
• You’re involved in an accident without proper insurance
• You need to reinstate your driving privileges after a suspension

SR-22 filings are most common among high-risk drivers, but the California Department of Motor Vehicles (DMV) sets the requirement based on your specific situation.

Why Is SR-22 Insurance Required?

The primary purpose of an SR-22 is to show the DMV that you meet California’s minimum auto insurance requirements. It’s a way for the state to monitor high-risk drivers and ensure they maintain continuous coverage. If your policy lapses or is canceled, your insurer must notify the DMV, which could result in another license suspension.

How to Get SR-22 Insurance Through Bright Road Insurance Services LLC

Our team at Bright Road Insurance Services makes the SR-22 process straightforward. If you need SR-22 insurance in California, our team is here to guide you every step of the way. Contact us for more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.