SR-22s in Modesto, CA
Auto insurance can be tricky to navigate, especially when special documentation like an SR-22 is involved. Thankfully, working with a knowledgeable insurance agent, such as those at SaveDirect Insurance Agency LLC, can help you meet all necessary legal and coverage requirements, including retaining and filing an SR-22.
What Is an SR-22?
An SR-22 is not a type of insurance policy. Instead, it’s a certificate that verifies a driver carries the minimum liability coverage required by law. Insurance companies submit this form to the state’s department of motor vehicles (DMV) to confirm that the driver is financially responsible.
The length of time an SR-22 must be maintained varies depending on state regulations. For example, in California, requirements typically last for three years. If the insurance policy tied to the SR-22 is canceled or lapses during this period, the insurer is obligated to inform the DMV, which could lead to a license suspension.
When Are They Required?
SR-22 filings are often required for drivers considered high-risk due to certain infractions. For instance, you might be required to file an SR-22 due to the following:
- Driving under the influence (DUI/DWI)—A conviction for operating a vehicle while impaired by alcohol or drugs often triggers the need for an SR-22.
- Serious or repeated traffic violations—Reckless driving or accumulating multiple offenses in a short timeframe can lead to this requirement.
- Lack of insurance coverage—Being caught driving without the legally mandated insurance can result in needing to file an SR-22.
How to Obtain an SR-22
If you’re told you need an SR-22, your first step should be contacting your auto insurance provider. Many insurers offer SR-22 filing services and can handle the paperwork on your behalf. If your current insurance company doesn’t provide SR-22 support, you’ll need to find one that does offer such services.
We’re Here to Help
At SaveDirect Insurance Agency LLC, our team is standing by to help motorists in and around Modesto, CA who need to file an SR-22. Contact us today to get started.