SR-22 Proof of Financial Responsibility

What is SR-22 Insurance?

SR -22 is our state's way of monitoring whether or not problem drivers maintain proper car insurance. The SR-22 certificate or "Financial Responsibility Form" is issued by your insurance company to the DMV, where it is kept on file. It is essentially a guarantee of coverage, ensuring that you are maintaining California's required minimum liability coverage. As long as you keep current auto insurance, your driving privileges are not suspended. However, if your car insurance coverage is dropped, canceled or lapses for any period of time, your car insurance company will notify the DMV right away. Upon receiving this notification, the DMV will immediately suspend your driving privileges by issuing an Order of Suspension.

Our state's Compulsory Financial Responsibility Laws, Vehicle Code Sections 16000-16078, are in place to protect drivers by ensuring that both drivers and owners of motor vehicles are able to handle any financial responsibility that would arise in the event of a traffic accident. It requires your liability insurance to cover any and all vehicles that you either operate or have registered in your name. Carrying these minimum levels of insurance coverage ensures drivers and owners can pay the costs associated with damage or injury, regardless of fault. Additionally, the laws help to keep uninsured drivers off the streets and highways in Riverside.

The DMV requires proof of insurance from all drivers. Drivers who have not been arrested or convicted of DUI may provide proof of insurance by showing a copy of either their insurance binder or card, but DUI offenders must file the SR-22 Financial Responsibility Form with the DMV.

It is important to note that the SR-22 form is separate from SR-1 form, which is required for drivers who were involved in an accident, or who have been ticketed for driving without proof of insurance.

Frequently Asked Questions About SR-22 Insurance

What do I need to do to obtain a restricted license? After having your license suspended for a first time DUI, you can get a restricted license 30 days from the effective date of the suspension, if you meet the following requirements:

  • Pay a $125.00 fee to the DMV for the reissuance of your driver's license
  • File your SR-22 form for three years
  • Provide proof of enrollment in an approved alcohol program, either the AB-541 or SB-762 class

If your license was restricted by either a DUI or a Wet and Reckless conviction, the following applies:

  • You must file an SR-22 proof of insurance form with the DMV for three years, beginning after your four-month suspension has ended
  • You must also maintain the insurance policy that the SR-22 was filed under
  • Once you file your original SR-22, you do not need to renew or re-file it at any time
  • If your car insurance coverage is dropped, canceled or lapses for any period of time, your car insurance company is required to notify the DMV right away
  • Upon receiving this notification, the California DMV will immediately suspend your driving privileges by issuing an Order of Suspension stating that you must file another SR-22 with the DMV or your license will be suspended

Is maintaining proof of insurance with an SR-22 required for any other driving offenses or issues? Filing an SR-22 is required in the following situations:

  • When your driving privileges are reinstated following a DUI suspension
  • If you were convicted of a DUI offense and part of your sentencing involved a DUI school, you will be required to show an SR-22 if your four-month suspension is not completed when the DMV receives notice of your conviction
  • After your license has been revoked or suspended
  • After you are involved in a traffic accident as an uninsured motorist
  • After you have failed to provide proper proof of liability insurance to the DMV
  • When you receive too many tickets in a short period of time, or if you commit repeat traffic offenses
  • When you apply for a probationary or hardship permit

Does the SR-22 only apply in California? The SR-22 is valid only in California, so if you move to another state, you will need to look into the local requirements.

What happens after my three year SR-22 filing period ends? You file a SR-26 form stating that you are no longer required to have a valid SR-22 on file with the California DMV.

What's the minimum amount of liability insurance I am required to carry? California Law requires that each driver carry a minimum, $35,000 of liability insurance. This figure is broken into three types of coverage:

  • $15,000 for injury or death to one person
  • $30,000 for injury or death to more than one person
  • $5,000 for damage to property

It is recommended that you contact the California Department of Insurance before purchasing an auto insurance policy.

In what situations am required to provide Evidence of Financial Responsibility? Any time you are stopped for a traffic violation by a police officer. Failure to provide evidence of financial responsibility to a peace officer is grounds to issue a citation. If you are convicted, by law you can be fined $500.00 and may have to pay additional costs of fees associated with your case. The court may also issue an order impounding your vehicle. If you are involved in a traffic accident, you must provide proof of insurance to the other driver.

Note: In California, any time you are involved in a car accident you are required to report it to the DMV if any of the following happened in your accident:

  • Someone was injured, regardless of the severity
  • Anyone was killed
  • The amount of property damage was more than $750.00

Each driver is required to file a report with the DMV within 10 days of the accident. This is required regardless of whether you caused the accident of not, if you were a driver involved in an accident where one of the above occurred you must file this report with the DMV. The fact that the accident happened on private property also does not excuse your requirement notify the DMV.

Riverside DUI Lawyer Defending Your Rights

When you have been arrested for driving under the influence, you face a wide range of negative consequences, including the necessity of carrying SR-22 coverage. Come tothe Law Offices of Scott Henry as early as possible after your arrest for help from an experienced Riverside DUI attorney who will fight to defend you against the charges.

Contact the Law Offices of Scott Henry today for an initial consultation and to learn more about how an attorney from the firm can help you.