California Insurance Proof Certificate
SR22 insurance refers to a policy which requires the filing of an SR22 form. If you have 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). Note that a copy of your insurance or your insurance card can not substitute an SR22 form and will not be accepted by the DMV as a sufficient proof.
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 is SR22 insurance for?
Usually, a driver is obliged 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 uninsured is the other.Both reasons will mean that your driving license will be suspended. California's auto insurance law is one of the toughest in the country. Apart from taking part in a DUI program, a DUI conviction may mean a jail sentence too. One year without a license is the punishment for driving uninsured.
Maintain a proof of financial responsibility
The period, during which maintaining a proof of financial responsibility is required, is three years. You will have to pay a fine in order to get your license reinstated. On top of everything, during this period you will be put in the "high risk" drivers group.If your filling period expires or your auto insurance in cancelled, the DMV will be notified by your insurance company. Remember that you will lose you license if SR26 is submitted and your filling period hasn't expired yet.
SR is state specific, so bare in mind that your SR22 insurance will only be valid in CA. Another policy will have to be obtained if you move to different state.
The reality of the situation is that SR22 means higher insurance premiums. Shopping around for the cheapest option is your only choice.
For more information about SR22, please visit:
SR22 Form
SR22 Insurance
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