I almost got caught drunk driving last week here in California and when I told my friends about it, one of them told me to add SR22 in my car insurance. There are many hat I can’t understand just like what is SR22? Why do I have to include it in my car insurance and how does it work?
Cole
San Diego, CA
Many people have been wondering why someone who usually goes home under the influence of alcohol or drunk should need a SR22. SR22 is a document given out by your Insurance Company in which you are assured that the California Department of Motor Vehicles has given you the required minimum liability coverage.
If a driver has gotten his/her license suspended, the driver is required to get a SR22 Filing to restore the drivers’ license. Drunk driving is not the only reason for your license to be suspended but also unpaid traffic tickets and parking violations. In order for a driver to get an SR22, they should get the minimum liability coverage to all of their cars. You have three years for SR22 Filing but this depends on how harsh your situation is. With regards to your driver’s license, you have to call Department of Motor Vehicle to know when it is going to be restored and how much would it cost you. The Car Insurance Company will be able to get you how much would your SR22 and your car insurance upon receiving the report on your driving record. And after calculating and agreeing how much you will have to pay for your SR22 Filing.
My cousin was convicted for DUI here in Camarillo, California a year ago and he had to file for an SR22. What is this so-called SR22 and what does this cover? Does filing an SR22 have any effect on financing a new car?
Frankie
Camarillo, CA
Your cousin is required to get SR22 because of his DUI conviction in Camarillo, California a year ago. SR22 should be filed by the auto insurance provider and this states that an auto liability insurance is in effect for a certain person. Every state has variety of the SR22 forms and they also have different requirements. The filing of an SR22 insurance should not have any direct effect in obtaining financing on a new car. Financing is not related to the requirement of financial responsibility laws of a state.
Normally, an SR22 would have an extra $15 to $25 filing fee. Your cousin would have to purchase coverage levels that mandated by the financial responsibility laws of California. He could see an increase cost over what he is used to be paying. The reason behind that is because he is purchasing additional coverage than what he previously had.
I need to get an SR22 auto insurance because of my DUI charge here in California but my current auto insurance company is not offering that, what do I have to do now?
Jamal
Apple Valley, CA
Some auto insurance companies really do not offer SR22 insurance and since you have a DUI charge in California, your auto insurance company will cancel or not renew your current policy. Because of that, you would have to find another insurance company that offers SR22 auto insurance. Let me tell you now that you can count on your rates being higher not only because of your DUI charge but also because you will now have a cancellation on your claims history.
Once you switch auto insurance companies to get a new policy with SR22 insurance coverage, you will then be considered as a “high-risk” driver because of your DUI charge. This would be especially true if you received safe-driver discounts or you were in a “preferred class.” Your premium rates would rise massively once you get a conviction for DUI. Because of that, you can start shopping around for auto insurance providers that specialize in high risk policies. You may want to try to get an online rate quote from this website for your SR22 auto insurance and you’ll find out that you could still get a great auto insurance for a lesser price.
I’m doing a little online search for SR22 auto insurance because of my DUI charge here in California and I kinda need a little help. Aside from the price, what are the factors that I need to consider when purchasing SR22 auto insurance?
Harvey
San Francisco, CA
Because of your DUI charge in California, you are required to maintain a high risk auto insurance policy that is referred to as the SR22 auto insurance. This form is being filed through the Department of Motor Vehicles (DMV) and it can be filed on your behalf by your insurance company either online or in person. If you would want to get your high risk insurance policy established quickly in order to restore your driving privileges, then you might want to file the SR22 auto insurance form online since you are already doing an online search for SR22 auto insurance.
When choosing your high risk auto insurance provider, you might want to look at different factors aside from the price of the insurance policy. The important factors to consider are the availability of policies in your geographical area, the type of insurance company you’re dealing with, cancellation and suspension guidelines and coverage offered for the SR22 auto insurance. Get a free online rate quote now from a great insurance company for your SR22 auto insurance needs.
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