The California DMV requires all California vehicle owners to carry minimum liability insurance. After a license suspension, SR22 insurance California fulfills this requirement. SR22 is a high-risk insurance form endorsed to an auto or non-owner insurance policy. The SR22 filing guarantees you maintain current insurance coverage for a specific time.
Reasons for SR22 Insurance California
Common reasons people require high-risk auto insurance include:
- DUI convictions
- Speeding tickets
- Reckless driving citations
- Exceeding points on your driver’s license
- Driving without minimum liability insurance coverage
- Non-payment of outstanding court fines
- Voluntary or involuntary vehicular manslaughter convictions
- Child support determinations
- Legal judgments
How do I get California SR22 insurance?
The following actions are required to reinstate your driving privileges:
- Pay the appropriate reissue fee.
- Show proof of financial responsibility by filing an SR22 insurance California certificate.
- For an alcohol-related offense, show proof of enrollment in an approved DUI program.
After this, you’ll choose a licensed SR22 insurance provider, locally or online. An agent will write an insurance policy and file your certificate on your behalf. You’ll have to maintain this policy for three years after a 4-month license suspension has expired. If the policy lapses during that time, the insurance carrier notifies the California DMV. You must file another SR22 financial responsibility form within a specified time to avoid another license suspension. The state may assess additional reinstatement fees and penalties.
SR22 without a vehicle
If you don’t own a vehicle, you can reinstate your license with California non owner SR22 insurance. Your insurance provider endorses the SR22 certificate to a non-owner insurance policy that covers you for liability when you drive a borrowed vehicle.
California DMV
The California Driver’s Handbook contains helpful information about various topics, including financial responsibility insurance requirements.
UltraCar Insurance offers cheap, affordable SR22 insurance rates. Our goal is to save you time and money. We can provide your quote, bind coverage, and complete your SR22 filing, usually in 30 minutes. Click the quote button to get started. Or talk with one of our agents for a fast SR22 Insurance California quote!
