What Is California Sr22 Insurance?

By Author: A Sefiani xx
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California SR22 insurance is a simple form filed by your auto insurance company with the California Department of Motor Vehicles (CA DMV).

What is an SR22?

California SR22 insurance is a simple form filed by your auto insurance company with the California Department of Motor Vehicles (CA DMV). It lets the department know that you are carrying active vehicle insurance and that you are being financially responsible. So, if you have an accident where you are considered to be at fault, you will have auto insurance coverage in effect for the other party.

Who needs California SR22 insurance?

You will need SR22 insurance if:

You have been found Driving Under the Influence (DUI), reckless driving, parking violations, unpaid fines or other major violations.

At the time of your accident, you were not insured (the fault in the accident is not considered relevant).

You have had more than 4 points on your driving record in a 12-month span.

Failure to comply with California driving laws.

You want to reinstate your license after a suspension due to the above reasons.

The ...
... CA DMV allows driving privileges to be reinstated provided that all DMV requirements have been met. For DUI cases, CA DMV requires an enrolment or a completion of a DUI course as well as an SR22.

The CA DMV requires California SR22 insurance policy to be carried for a period of 3 years for DUI violations and 4 years for any accident without insurance. If at any time during this period your SR22 is cancelled, the CADMV will suspend your license pending proof of an active California SR22 insurance SR22 policy and another CADMV reinstatement fee. The period for carrying an SR22 also varies depending on your personal situation. Therefore, it is always important to ask the CADMV for specific details that relate to your driver’s license.

Additionally, if your policy has been cancelled or is expired (no matter the reason), your insurance company is required to notify the CADMV right away. Typically, CADMV will suspend your driver’s license within a few days or a couple of weeks based on how fast your insurance report makes the report.

How long does it take to file California SR22 insurance?

Simply ask your auto insurance agent to add SR22 to your current policy. Keep in mind that not all California insurance companies provide SR22 services. If your insurance does not issue SR22, you may have to switch your insurance company to be able to obtain California SR22 insurance.

Insurance agencies or brokers also work with different carriers that offer SR22 and can find you some of the best deals in the shortest time possible. Some insurance companies mail the forms to the CA DMV or file them electronically. The latter method is not as quick or efficient as it sounds and it can take weeks for the SR22 to be filed into the CA DMV system. An instant filing is also possible if you pay by credit card, cashier’s check or money order. Also, keep in mind that in most cases, you will owe CA DMV a license reinstatement fee that will need to be paid for in person.
Resource: http://www.california-sr22-insurance.com