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 provide a proof of financial responsibility. Note 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 an adequate evidence.
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 obliged to file a SR22 form. DUI, driving under the influence is probably the most common reason. Driving uninsured and causing an accident is the other.Both reasons will mean that your driving license will be suspended. As you probably know, California has one of the toughest car insurance laws. Apart from taking part in a DUI program, a DUI conviction may mean a jail sentence too. One year without a license is the penalty for driving uninsured.
Maintain a proof of financial responsibility
You will have to maintain a proof of financial responsibility for 3 years. In order to reinstate your drivers license, you will be required to pay additional fees. During this period you will consider you to be a "high-risk" driver.SR26 form will be submitted to the DMV if you cancel your 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. Another policy will have to be obtained if you move to different state.
The bottom line is that SR22 insurance will cost you. That's why it is very important to shop around and find the best deal.
For more information about SR22, please visit:
SR22 Form
SR22 Insurance
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