SR-22 is a document or certificate certain drivers need in order to prove they have the minimum auto liability insurance required by the state of California. After a person's license is temporarily revoked or suspended, he needs SR-22 insurance to start driving again. Insurers usually quote higher rates for policyholders who are required to file the certificate.
After committing a criminal offense or committing a serious traffic violation, part of the punishment may include temporary suspension of the driver license. Usually, people who need this certificate have been charged with an alcohol or drug-related driving offense. Some people are required to get the certificate if their license was suspended due to negligent operation of the vehicle. Driving a vehicle without insurance and getting into an accident could also cause to person to need a certificate.
Speak with your auto insurer. Request the certificate. The representative will review your driving record. After the representative and underwriting department check the driving record, the company will determine if it can offer coverage. Some insurers will not provide coverage to people who have a DUI conviction or a lot of points on their driving record. It is possible that your current insurer will not renew the policy.
If your current insurer offers coverage, they will let you know the type of coverage you are receiving and the policy limits. They will also tell you how much the coverage will cost. The cost of the policy could be quite expensive. If you agree to accept the coverage the insurer will file the SR22 with the California Department of Motor Vehicles.
If the policy rate being offered by your current insurer is not affordable, you should contact other companies. You can compare the policy rates and services provided by other companies. The coverage needs to be affordable since failing to pay the premium will lead to the policy being terminated by the insurer.
If you are not able to obtain coverage with any company, contact the California Automobile Assigned Risk Plan. The program was created to help people who are having a difficult time getting coverage for their vehicle. The program helps drivers find an insurer who will provide coverage.
Once you receive SR-22 insurance, the documentation remains on file with the California Department of Motor Vehicles. You only need to get a new certificate if the insurer cancels your policy or you terminate the coverage. The length of time you need to have the certificate varies depending on the offense.
After committing a criminal offense or committing a serious traffic violation, part of the punishment may include temporary suspension of the driver license. Usually, people who need this certificate have been charged with an alcohol or drug-related driving offense. Some people are required to get the certificate if their license was suspended due to negligent operation of the vehicle. Driving a vehicle without insurance and getting into an accident could also cause to person to need a certificate.
Speak with your auto insurer. Request the certificate. The representative will review your driving record. After the representative and underwriting department check the driving record, the company will determine if it can offer coverage. Some insurers will not provide coverage to people who have a DUI conviction or a lot of points on their driving record. It is possible that your current insurer will not renew the policy.
If your current insurer offers coverage, they will let you know the type of coverage you are receiving and the policy limits. They will also tell you how much the coverage will cost. The cost of the policy could be quite expensive. If you agree to accept the coverage the insurer will file the SR22 with the California Department of Motor Vehicles.
If the policy rate being offered by your current insurer is not affordable, you should contact other companies. You can compare the policy rates and services provided by other companies. The coverage needs to be affordable since failing to pay the premium will lead to the policy being terminated by the insurer.
If you are not able to obtain coverage with any company, contact the California Automobile Assigned Risk Plan. The program was created to help people who are having a difficult time getting coverage for their vehicle. The program helps drivers find an insurer who will provide coverage.
Once you receive SR-22 insurance, the documentation remains on file with the California Department of Motor Vehicles. You only need to get a new certificate if the insurer cancels your policy or you terminate the coverage. The length of time you need to have the certificate varies depending on the offense.
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