SR-22 in Bakersfield , CA
An SR-22 is a form your insurance company files with the state to show you have the minimum coverage required by law. Some drivers are required to have one after certain violations.
How Does an SR-22 Work?
Once you’re told you need an SR-22, your insurance company files the form with your state’s motor vehicle department. This lets the state know you’re meeting the minimum insurance requirements.
You’ll need to keep the SR-22 on file for a set period, usually three years, but it can vary depending on your situation and where you live. During that time, it’s essential to keep your insurance active. If your policy lapses or gets canceled, your insurer must notify the state, which could lead to more penalties or even a license suspension. After you’ve met the time requirement without any issues, the SR-22 requirement is lifted, and you can return to a regular insurance policy.
Who Needs an SR-22?
You might need an SR-22 if you’ve had serious driving issues. Common reasons include the following:
- Getting a DUI or DWI
- Driving without insurance
- Causing an accident while uninsured
- Racking up several traffic violations in a short time
- Having your license suspended or revoked
What Does an SR-22 Cost?
Filing an SR-22 usually only costs a small fee. However, your insurance rates may increase since you’re now considered a higher-risk driver. What you pay depends on a few factors, including the following:
- Why you need the SR-22
- Your driving record
- Your age, where you live and what kind of vehicle you drive
- The coverage levels you choose
We’re Here to Help
Victorias Insurance Services can help you learn more about SR-22. Contact us today.