SR-22 in Novato, CA

SR-22 is a certificate your auto insurer files with the state to confirm you carry the minimum liability coverage required by law. If you’ve been told you must file an SR-22, Venegas Insurance can help.

When Is an SR-22 Required?

States typically require an SR-22 after certain driving violations, including the following:

• Driving under the influence

• Reckless driving

• Driving without insurance

• Repeated traffic offenses in a short period

• License suspension or revocation

The SR-22 lets the state monitor your insurance status for a set period, usually three years. Your auto insurance must remain active without any gaps during that time. If your auto coverage lapses even briefly, the state may suspend your license again, and the SR-22 period could start over from the beginning.

How Does an SR-22 Affect My Auto Insurance Costs?

The SR-22 filing fee is often inexpensive. However, the reason you need it can lead to higher premiums. Insurers may categorize you as a high-risk driver, which can affect your rates. To help lower those costs, try to maintain consistent coverage and a clean driving record.

How Do I Get an SR-22?

Here’s a simple breakdown of the filing process:

• Contact your insurance company and ask if they offer SR-22 filings. If they don’t, you may need to switch providers.

• Request the SR-22. Your insurer will prepare and submit the form to the DMV.

• Pay the SR-22 filing fee that is separate from your regular auto insurance premium.

• Once filed, your insurer will notify the DMV. You’ll typically receive confirmation when your license is reinstated.

Support You Can Trust

Reach out to Venegas Insurance for more guidance on filing an SR-22 in your state. Contact us today for a quick quote.