California Insurance Proof Certificate
SR22 insurance refers to a policy which requires the filing of an SR22 form. Your insurance company has to submit this form to the California Department of Motor Vehicles (DMV), if you are required 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 substitute 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 is required to have SR22 insurance?
There are two main reasons why you may be required to file a SR22 form. The first, and most common, is conviction for driving under the influence (DUI) of either alcohol or drugs. The second is for being involved in an accident while driving uninsured.In both instances your driving privilege will be suspended. California's auto insurance law is one of the toughest in the country. 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 punishment for driving uninsured.
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 these 3 years, you will be considered as 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. Remember that you will lose you license if SR26 is submitted and your filling period hasn't expired yet.
Another important point is that California SR22 insurance is only valid for CA, because SR22 is state specific. Moving to another state will mean that you will need a different policy.
The bottom line is that SR22 insurance will cost you. This makes shopping around for the best car insurance deal absolutely essential.
For more information about SR22, please visit:
SR22 Form
SR22 Insurance
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