What is an SR-22 and what will it cover?
An SR-22 is “Certificate of Financial responsibility” insurance. It covers property damage and liability arising from an accident in which the insured is involved. In the state of California, you will need this up to 3 years. Below are some of the main reasons you may need an SR-22:
- DUI or DWI conviction
- Driving without enough insurance
- Too many at-fault accidents or violations
- Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)
- Not paying court-ordered child support
- Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)There is also a slightly different but very similar SR-22, NON-Owner Policy.
There is also a slightly different but very similar SR-22, NON-Owner Policy.
If you don’t own a vehicle but are required to have an SR-22 for any of the reason listed above this is also known as “Non- Owner operator policy.” This will cover liability coverages based on the state minimum.
If you don’t have auto insurance and need to buy a policy, you’ll want to let any prospective insurer know about the SR-22 up front. Many insurance companies don’t offer SR-22s and you shouldn’t waste time getting a quote if they’re unable to help.
RC Insurance Brokers can provide an SR-22 quickly and easily, regardless of the reason. Immediately upon the purchase of your policy, we’ll electronically file your SR-22 document with the department of motor vehicles. We will also provide you a copy of your certificate.