SR22 Insurance California Explained

California Insurance Proof Certificate

Generally speaking, a policy is referred to as SR22 insurance when an SR22 Form needs to be submitted. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are obliged to show a proof of financial responsibility. It is worth pointing out that a copy of your insurance or insurance card will not be accepted by the DMV as a replace of anSR22 form .

In California the minimum insurance requirements are:

* $15,000 for injury/death to one person
* $30,000 for injury/death to more than one person
* $5,000 for damage to property

Who needs SR22 Insurance in California?

Usually, a driver is required to file an SR22 form for one of two reasons. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. Causing an accident while driving without insurance is the other.Both reasons will mean that your driving license will be suspended. As you probably know, California has one of the toughest car insurance laws. DUI conviction may even lead to a jail sentence and you will also be required to take part in a DUI program. One year without a license is the penalty for driving without insurance.

Maintain a proof of financial responsibility

You will have to maintain a proof of financial responsibility for three years. In order to reinstate your drivers license, you will be required to pay additional fees. During this period you will consider you to be a "high-risk" driver.If your filling period expires or your auto insurance in cancelled, the DMV will be notified by your insurance company. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.

SR is state specific, so bare in mind that your SR22 insurance will only be valid in CA. If you move to another state, you will have to obtain another policy.

The reality of the situation is that SR22 means higher insurance premiums. That's why it is very important to shop around and find the best deal.

For more information about SR22, please visit:
SR22 Form
SR22 Insurance