California SR22 insurance is like a financial punishment for not behaving behind the wheel.
California SR22 insurance (or SR22 financial responsibility insurance) is an extra car insurance coverage for those in California that have found themselves in trouble for a serious driving infraction. Instead of just taking away a driver’s ability to be able to drive, SR22 insurance offers drivers another chance to be able to drive and show the state that they can be responsible drivers. Unfortunately, this second chance will also increase the amount you pay for your car insurance.
Why Would You Need California SR22 Insurance?
The State of California requires that you have the additional SR22 insurance if you:
- Are convicted of a DUI
- Your license is revoked
- You caused an accident in the past while driving without car insurance and have not compensated the expenses of the other parties involved.
- You have an unsatisfied judgment suspension from a past accident
- You are driving with a restricted license
Additional California Car Insurance Coverage
Keep in mind that California SR22 insurance is a required addition to the already required car insurance policy; it is not something separate that replaces regular car insurance coverages. You will still have to have a car insurance policy with the minimum California limits of:
- $15,000/ $30,000 bodily injury liability
- $5,000 property damage liability
How Do You Get California SR22 Insurance?
The only thing you have to do to get the SR22 insurance that you are now require to have is to talk to your car insurance agent. Most car insurance agents in California are able to do an SR22 filing, and if your current car insurance agent is not able to then you will have to find a new car insurance agent that can. Once you have found an agent that can complete an SR22 filing for you, you will pay them their required processing fee, and they will file the SR22 for you with the State of California. If your SR22 filing is accepted, you will receive your SR22 insurance form from your insurance agency, as well as a confirmation letter from the California Department of Motor Vehicles for your SR22 filing. Once accepted you are responsible for keeping your SR22 insurance active and maintained for 3 years. If you fail to keep your California SR22 insurance up-to-date, your driver’s license will be suspended, and you won’t be driving at all. So think of SR22 insurance as a 2nd chance to keep driving, and don’t mess it up because there is no 3rd chance.
Trackback from your site.