If you’re a driver in California, you may have heard the term “SR-22 insurance” thrown around, especially if you’ve recently had a traffic violation. But what exactly is SR-22 insurance, and why is it so important? Let’s break down what SR-22 insurance is, who needs it, and why you may find yourself needing it in California.
What is SR-22 Insurance?
First things first: SR-22 insurance isn’t actually an insurance policy. Instead, it’s a certificate that proves you have the required car insurance to drive legally in California. Think of it as a proof of financial responsibility, something the state requires for high-risk drivers.
If you’re required to get SR-22 insurance, it means you’ve had a violation or conviction that the state considers serious enough to increase your risk as a driver. The most common reason people need an SR-22 is a DUI or DWI conviction, but it can also be required after other serious infractions, like driving without insurance or a license suspension.
It’s important to note that SR-22 insurance is not the same as regular car insurance. It’s a special filing that your insurance company submits to the California Department of Motor Vehicles (DMV) to verify that you’re carrying the minimum required liability coverage. You can get cheap SR-22 insurance in California from MIS Insurance Services.
Who Needs SR-22 Insurance in California?
In California, not everyone needs SR-22 insurance. The state requires it for drivers who have been deemed high-risk, usually after certain legal violations. Here are some common scenarios where SR-22 insurance may be required:
DUI or DWI Convictions: If you’ve been caught driving under the influence of alcohol or drugs, California will likely require an SR-22 to reinstate your license.
Driving Without Insurance: If you’ve been caught driving without valid insurance, you may need an SR-22 to prove that you are now properly covered.
Multiple Traffic Violations: If you’ve accumulated too many points on your driving record due to reckless or negligent driving, an SR-22 may be required.
License Suspension or Revocation: If your license has been suspended or revoked due to a violation, you’ll need SR-22 insurance to get it back.
As for how long you need SR-22 insurance, it’s typically three years, but this can vary depending on your violation. If you’re caught driving under the influence, for example, you might need to keep it for a longer period. After the required time, you can usually drop the SR-22 filing, but you must maintain continuous coverage during that period.
Why Do You Need SR-22 Insurance in California?
So, why do you need SR-22 insurance? It’s a legal requirement in California for certain high-risk drivers. The state wants to ensure that anyone on the road is financially responsible in the event of an accident. If you’re required to carry an SR-22, it means you need to show that you have insurance coverage that meets California’s minimum liability requirements.
Without SR-22 insurance, you can’t legally drive in California. If you’re caught driving without it, your license could be suspended again, and you could face more fines or penalties. In short, if you want to get back on the road legally, you’ll need to file for SR-22 insurance.
Additionally, SR-22 serves as a reminder to drivers who have committed serious violations that they need to take responsibility for their actions. It’s a way for the state to keep potentially dangerous drivers in check while ensuring that they’re financially prepared to cover damages in case of an accident.
How to Get a Quote for SR-22 Insurance
Do you want to explore the best options for SR-22 insurance? It’s recommended that you get a quote online so that you can see what’s available to you. Jumping in and choosing the first one you see can mean you’re spending more than you need to. It’s easy to get a quote online and reputable companies often offer this for free. Here’s the easy process you can go through to get your options.
Enter Your Details
First, you need to enter some personal details about yourself into the online form. For example, this can include your first and last name, as well as your date of birth. You should also provide a phone number and an email address. You should be able to access both so that you can receive your quote. Generally, your options will be sent to your email, but a telephone number will allow the team to contact you if this is necessary.
Provide the License Number
Something that a lot of SR-22 insurance quotes ask for is your drivers license number. You want to have this available so that you can quickly complete the form. Make sure you enter it accurately, as this can affect your quote. You should also declare the type of policy you need, such as whether you’re the owner of the vehicle or you need a non-owner policy.
Wait for the Results
Generally, quotes a instant. This means that you can immediately explore the options you have. This doesn’t mean you should rush your decision. Take your time to select the option you’re happy with.
