SR-22 in Garden Grove, CA
Navigating the world of auto insurance can be complex, especially when specific forms like the SR-22 come into play. Fortunately, by working with a qualified insurance professional like those at New Advantage Insurance Agency, you can ensure you’re complying with coverage-related requirements.
What Is an SR-22? 
An SR-22 is not an insurance policy but a certificate of financial responsibility required for high-risk drivers. These documents serve as proof that a driver has the minimum required auto insurance coverage. Your insurance company files the SR-22 form with your state’s Department of Motor Vehicles (DMV) to confirm that you have the necessary liability coverage.
The duration for which an SR-22 is required varies by state but typically ranges from one to five years. During this period, the insurance company must notify the DMV if the policy lapses, which could result in the suspension of the driver’s license.
Who Needs an SR-22?
Not every driver will need an SR-22. It is typically mandated for individuals deemed high-risk by the state due to specific violations. Common reasons for requiring an SR-22 include the following:
- DUI or DWI convictions—Drivers convicted of driving under the influence of alcohol or drugs may be required to have an SR-22.
- Significant traffic violations—A history of reckless driving or multiple traffic offenses within a short period can result in a driver needing one of these forms.
- Driving without insurance—Being caught driving without the state-required minimum insurance coverage can also lead to SR-22 requirements.
Where to Get an SR-22
If you need an SR-22, the first step is to contact your auto insurance provider. Many major insurance companies offer SR-22 services and can assist through the process of filing the form with the DMV. Some insurance companies may also specialize in high-risk auto insurance and handling SR-22. This can be important, as some insurers may not offer such services or decline coverage to motorists who require them.
We’re Here to Help
Contact New Advantage Insurance Agency today to learn more or receive assistance in filing an SR-22 form.