What is an SR 22?

What is an SR-22An SR-22 is a certificate that must be filed by an insurance company stating that auto liability insurance is in effect for a particular individual. The SR-22 or "Proof of Insurance Certificate" is the paperwork required to monitor the insurance requirements of drivers with recent infractions.

  • This document also guarantees that the required minimum limit of liability coverage has been obtained by the respective person.
  • Proof of insurance and an SR-22 must be maintained for three years. The required three year period starts from the date the original suspension would have ended.
  • Proof of insurance and the SR-22 will stay in effect if you do not cancel the policy or get dropped during the 3 year period. The insurance policy the SR-22 is filed under must remain in effect in order for you to maintain your restricted license.

 

An SR-22 is required for all persons arrested for and/or convicted of a DUI. However, you do not have to be convicted to receive a suspended license.

  • You could win your court case and lose your DMV hearing and still need an SR-22. To get a restricted license after being arrested for a DUI you have to do three things:

1. Show proof of financial responsibility (SR-22).
2. Show proof of enrollment in an approved DUI program (school).
3. Pay a re-issue fee of $125.00.

Other situations where you will need to show an SR-22 to the DMV to have your license returned:

1. Those convicted in court of a DUI, and sent to a DUI school. If the four month period is not up by the time the DMV receives notice from the court of your conviction, then the requirement to show an SR-22 goes into effect.

2.  Those that had their licenses restricted by the court for a DUI or “Wet Reckless”. If you do not own a car, you would purchase a non-owner SR-22. The SR-22 would provide coverage for your liability protection. Even though you do not own a vehicle you may still be required to carry an SR-22. This is called a "non-owners" SR-22 insurance policy. The vehicle is not covered by an SR-22 or a non-owners policy.

What are the minimum limits of liability?

California:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
     
Washington:
  • $25,000 for injury/death to one person.
  • $50,000 for injury/death to more than one person.
  • $10,000 for damage to property.
Learn more about our cheap SR22 insurance.