SR-22 Form California - All you need to know

California Insurance Proof Certificate

Insurance policy which requires the filling of an SR22 form is often called a SR22 insurance.

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 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?

In most case an SR22 form is required for one of two reasons. DUI, driving under the influence is probably the most common reason. Causing an accident while driving without insurance is the other.

In both cases your driving privilege will be suspended. As you probably know, California has one of the toughest car insurance laws. You will have to participate in a DUI program, but the worse part is that DUI conviction may even mean going to jail. One year without a license is the punishment for driving without insurance.

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 these 3 years, you will be considered as a "high risk" driver.

If your filling period expires or your auto insurance in cancelled, the DMV will be notified by your insurance company. Remember that you will lose you license if SR26 form 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. If you move to another state, you will have to obtain another policy.

The reality of the situation is that SR22 means higher insurance premiums. Shopping around for the cheapest option is your only choice. Compare California SR22 insurance quotes online and you can save yourself up to 35%!

For more information about SR22, please visit: http://www.sr22insurancequotesonline.com