What You Need to Know About SR-22 Insurance in California
If you have been convicted of a DUI or other serious traffic violations in California, you may be required to obtain SR-22 insurance. But what is SR-22 insurance, and how does it differ from other types of car insurance?
In this article, we’ll explore everything you need to know about SR-22 insurance in California, from what it is to how to get it.
What is SR-22 Insurance?
SR-22 insurance is a type of car insurance that is required by the state of California for drivers who have been convicted of certain traffic violations. It is also known as a Certificate of Financial Responsibility.
The purpose of SR-22 insurance is to prove to the state that you have the minimum required amount of liability insurance coverage.
When is SR-22 Insurance Required in California?
SR-22 insurance is typically required in California if you have been convicted of a DUI or other serious traffic violation, such as driving without insurance, reckless driving, or leaving the scene of an at-fault accident. The court may also require an SR-22 certificate as proof of insurance if you have had your license suspended or revoked.
How Does SR-22 Insurance Work?
SR-22 insurance works like any other type of car insurance. You pay a monthly premium to the insurance company, and in exchange, the insurance company provides coverage in the event of an accident. However, there are a few key differences between SR-22 insurance and regular car insurance.
One of the main differences is that SR-22 insurance is often more expensive than regular car insurance. This is because it is considered high-risk insurance, and the insurance company is taking on a greater risk by insuring you.
Another difference is that SR-22 insurance is typically required for a longer period of time than regular car insurance. In California, you may be required to maintain SR-22 insurance for up to three years.
How to Get SR-22 Insurance in California
If you need SR-22 insurance in California, you will need to find insurance providers that offer this type of insurance. Not all insurance companies offer SR-22 insurance, so you may need to do some research to find a company that does.
Once you have found a California auto insurance service that offers SR-22 insurance, you will need to provide them with some information, such as your name, address, and driver’s license number.
The DMV assistance agent will then process the SR-22 filing with the California Department of Motor Vehicles (DMV) on your behalf. In California, the filing fee ranges from $15 to $25 depending on the extent of your SR-22 insurance coverage.
What You Need to Know About SR-22 Insurance in California
If you are required to obtain SR-22 insurance in California, there are a few things you need to know:
- You must maintain SR-22 insurance for the entire period of time that the court or DMV requires, which is usually three years. If you cancel your SR-22 insurance before the required period of time is up, the insurance company is required to notify the DMV, which could result in your license being suspended.
- You must have the minimum required amount of liability insurance coverage in order to obtain SR-22 insurance in California. The minimum requirements in California are:
- $15,000 for injury or death of one person
- $30,000 for injury or death of more than one person
- $5,000 for damage to property
- SR-22 insurance is not the same as an actual insurance policy. It is simply a form that verifies that you have the required amount of liability insurance. If you are caught driving without SR-22 insurance when it is required, you could face serious consequences, including fines, jail time, and the suspension or revocation of your driver’s license.
- Not all insurance companies offer SR-22 insurance, and those that do may charge a higher premium for it. However, you may be required to file an SR-22 in multiple states if you move or if you drive in another state. Make sure to check the requirements for each state and file the appropriate forms.
- If you are required to obtain an SR-22, it is important to be a responsible driver and avoid further traffic violations. This will not only help you avoid further legal trouble, but it may also help you qualify for lower insurance rates in the future.
- Yes, you can still obtain SR-22 insurance even if you do not own a car. You can purchase a non-owner policy, which provides liability coverage when you drive someone else’s car.
How much does SR-22 insurance cost in California?
The average cost of SR-22 insurance varies depending on several factors, including your driving record, the type of car you drive, and the California auto insurance services you choose. You can expect to pay a higher premium for SR-22 insurance than you would for regular car insurance.
Find A Reliable California Auto Insurance Service Provider
SR-22 insurance is an important requirement for drivers in California who have been convicted of serious traffic violations. If you are required to obtain SR-22 insurance, it is important to understand the requirements and responsibilities that come with it.
Alternatively, you might want to consider getting an auto insurance policy with comprehensive insurance coverage, which gives you better vehicle and financial protection, in case of an accident.
At Maggie’s A-1 Insurance Services, we find and compare prices to find the best deal for you. Call us today at (661) 941-6496 to get your FREE quote.
