SR22 is a certificate showing proof that a certain driver has automobile insurance. No other proof such as your insurance ID card will be accepted for this purpose. This is required by most states in the US and is normally associated with issues concerning your driving. They are
· Repeated traffic violations and getting multiple tickets in short periods of time
· To re-instate your driving license if you are convicted of DUI violation
· To re-instate a License suspended or revoked
· When you are involved in an uninsured accident
· If you cannot provide proof of liability insurance to the DMV
· When you apply for hardship or a probationary permit
Financial responsibility for drivers
California Vehicle Code Sections16000-16078, or Compulsory Financial Responsibility Law, declares that drivers and owners of vehicles are financially responsible for any damage or injury resulting from a traffic accident, regardless of who is at fault. It also puts the burden of proof of carrying insurance on certain designated drivers who have been arrested of some crimes. If you are arrested for Driving Under Influence, (DUI) you become a "problem driver" even when you are not convicted and so are required to file a Certificate Proof of California Insurance, with the Department of Motor Vehicles in Form SR-22 issued by your insurer.
Most SR-22 forms relate to drivers arrested for DUI, but they are also required for other problem drivers, who may have been involved in an uninsured accident or are cited for repeat traffic offenses in a short period of time, or whose driver’s license has been suspended or revoked.
The process for re-instating drivers licence
Once your license is suspended due to DUI violation, the DMV suspends your driver’s license and pronouncing you a high risk driver. To re-instate the license, you must file SR22 with the DMV to prove your future financial responsibility. Your insurance company issues the SR22 to you to file with the DMV as proof of your having the minimum liability auto insurance. After accepting the SR22, the DMV will remove the suspension of your license.
How long SR22 should be maintained?
When you are found guilty of DUI, SR-22 proof of insurance is required for the next three years. If the insurance policy lapses and if you do not renew it during this period, your insurance provider will file a SR-26 form notifying the DMV of the fact, upon which your license will be suspended or revoked.
The purpose of the California SR-22 law is to ensure that all drivers are insured and it also prevents financially irresponsible drivers using the road.