Looking for California SR22 Insurance Quotes? SR22 insurance can be very expensive. If you want to find the cheapest policy, make sure you get quotes from at least 3 different companies. Comparing quotes online is fast, free and will definitely save you a lot of time and money.
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California Insurance Proof Certificate
SR22 insurance refers to a policy which requires the filling of an SR22 form. If you need to provide a proof of financial responsibility, your insurance company is obliged by law to submit such a form to the California Department of Motor Vehicles (DMV). Bare in mind that a copy of your insurance or your insurance card can not replace an SR22 form and will not be accepted by the DMV as a sufficient proof.
The minimum liability insurance requirements in California 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?
There are two main reasons why you may be required to file an SR22 form. The first, and most common, is a conviction for driving under the influence (DUI) of either alcohol or drugs. The second reasons if for being involved in an accident while driving without insurance. In both instances your driving privilege will be suspended. California’s auto insurance law is one of the toughest in the country and the consequences for both of these offences are severe. DUI conviction may even lead to a jail sentence and you will also be required to take part in a DUI program. For driving uninsured, you will lose your license for 1 year.
What is the SR22 filling period?
You will have to maintain a proof of financial responsibility for 3 years. To get your drivers license reinstated, you will also have to pay the necessary fees. During this period you will consider you to be a “high-risk” driver. Your insurance company is also required to submit a SR26 form the DMV if you cancel your auto insurance or your filling period expires. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.
It is important to know that SR22 is state specific and California SR22 insurance is valid only for California. Moving to another state will mean that you will need a different 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. Compare SR22 insurance quotes online and you can save yourself up to $600!
