What Is an SR-22 and How San Bernardino Drivers Can Get One Fast

If you've recently been told you need an SR-22, you're probably feeling a mix of confusion and stress. You're not alone. Thousands of California drivers find themselves in this situation every year, and it's not as complicated as it sounds. Here's everything San Bernardino and Inland Empire drivers need to know about SR-22 filings and how to get back on the road quickly.

What Exactly Is an SR-22?

An SR-22 is not a type of insurance. It's a certificate that your insurance company files with the California DMV to prove you carry the state's minimum required liability coverage. Think of it as a guarantee from your insurer that you're covered.

The DMV typically requires an SR-22 after certain violations, including driving without insurance, a DUI or DWI conviction, multiple at-fault accidents, or accumulating too many points on your driving record. If the DMV has notified you that an SR-22 is required, you'll need to act quickly to avoid a license suspension or further penalties.

How Long Do You Need an SR-22 in California?

In most cases, California requires you to maintain an SR-22 for three years from the date of your conviction or reinstatement. During that time, any lapse in coverage, even for a single day, can reset the clock and lead to additional penalties. That's why it's critical to work with an agency that understands the process and helps you stay compliant.

Will an SR-22 Make My Insurance Expensive?

An SR-22 filing itself is relatively inexpensive, usually just a small fee. However, because the violations that trigger an SR-22 requirement are considered high-risk, your insurance premiums will likely go up. The good news is that not all carriers charge the same rates for high-risk drivers.

At FOCO Insurance, we specialize in helping San Bernardino drivers find affordable SR-22 coverage. Because we work with multiple carriers, we can compare rates and find you the best price available, even with a less-than-perfect driving record.

How to Get an SR-22 in San Bernardino

Getting an SR-22 doesn't have to be a headache. Here's how the process works at FOCO Insurance:

Step 1: Contact us. Call us at (866) 315-7564, visit our office on Highland Ave, or start a quote online. You can even talk to Kelly, our 24/7 voice assistant, to get the process started anytime, day or night.

Step 2: We find you coverage. Our team, including agents like Luigi and Marcy who are known for their patience and expertise, will compare rates across multiple carriers to find you affordable liability coverage that meets California's requirements.

Step 3: We file the SR-22. Once your policy is in place, we file the SR-22 certificate directly with the California DMV on your behalf. In many cases, you can have proof of coverage the same day.

Step 4: You're back on the road. With your SR-22 filed and your coverage active, you can drive legally and with confidence.

Don't Wait, Act Now

The longer you go without an SR-22 after it's been required, the more complicated things can get. Your license could be suspended, and getting it reinstated becomes more difficult and expensive.

FOCO Insurance has been helping San Bernardino drivers navigate SR-22 filings for over 19 years. We make the process fast, affordable, and stress-free. With over 500 five-star Google reviews, you can

trust that you're in good hands.

Ready to get started? Call us at (866) 315-7564, visit us at 2075 E Highland Ave, Suite G in San Bernardino, or start your quote online. You could be covered in as little as 5 minutes.