California Insurance Proof Certificate
Generally speaking, a policy is referred to as SR22 insurance when an SR22 Form needs to be submitted. If you need 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). Its important to know that a copy of your insurance or your insurance card can not replace 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 required 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. The second is for being involved in an accident while driving uninsured.Both reasons will mean that your driving license will be suspended. The car insurance law in California is very tough. Apart from taking part in a DUI program, a DUI conviction may mean a jail sentence too. For driving uninsured you will lose your license for 1 year.
What is the SR22 filling period?
3 years is the period during which you will have to maintain a proof of financial responsibility. To get your drivers license reinstated, you will also have to pay the necessary fees. During this period you will consider you to be 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. If you let your insurance lapse during these 3 years and SR26 form is submitted, your license will be suspended by the DMV.
It is important to know that SR22 is state specific and California SR22 insurance is valid only for California. Moving to another state will mean that you will need a different policy.
The sad reality is that due to SR22, your insurance premiums will go up. This makes shopping around for the best car insurance deal absolutely essential.
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