SR-22 Insurance Filing

When it comes to issues regarding auto insurance, our driving records, and rights and privileges, sometimes we are taught things that simply are not true. Let’s look at a few of the most common myths and misconceptions regarding the SR-22 California:

What is the SR-22 Driver Filing?

An SR-22 is a certificate of insurance filed by your insurance company directly to the Department of Motor Vehicles. The SR-22 is issued in the following forms: Operator’s Certificate, Owner’s Certificate, and Operator’s-Owner Certificate.

SR-22 Minimum Liability Limits

The minimum liability limits must meet your state’s requirements. Your Cost-U-Less customer service representative can tell you what the minimum requirements are for your state.

How the SR-22 Filing Process Works

There is not much for you to do in this process. All you have to do is request your insurance company to file an SR-22 for you, then the insurance company takes care of the rest. If you do not have insurance, or your insurance company doesn’t file SR-22s, please contact us at 800-300-0227, and a Cost-U-Less customer service representative can help answer your questions.

Avoid Future SR-22 Cancellations and Suspensions

Once you have your SR-22 coverage, you want to make sure it does not get cancelled or suspended. You can do this by renewing it early. It must be renewed at least 15 days before it expires to make sure it isn’t cancelled. The earlier you renew it, the safer you’ll be and the less likely your SR-22 will be cancelled.

Alternate SR-22 Proof Filing Methods

There is a way you can get around filing an SR-22 insurance policy. You have to pay $55,000.00 in securities with the state treasurer!

When Is an SR-22 Required?

Not all states require an SR-22, but the ones that do may require them for any of the following reasons:

• Unsatisfied Judgments
• Major Convictions
• License Suspensions
• No Insurance Violations
• No Insurance At The Time Of The Accident