California DUI insurance?
I got a DUI over 4 years ago and now I want to get my license back. Do I still need to get sr22 insurance or can I just pay my reinstatement fee and get my license? ...
I got a DUI over 4 years ago and now I want to get my license back. Do I still need to get sr22 insurance or can I just pay my reinstatement fee and get my license?
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SR22 insurance generally lasts 3 years. Maybe they have different rules and you have to buy it no matter what.
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SR-22 isn’t a type of insurance coverage, but rather proof that you have insurance.
In considering your insurance options, I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance .
An SR-22 is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State.
This insurance notification is typically required by the State for 3 years from the date an original suspension would have ended which can be determined.
If your policy lapses for any reason (miss a payment, get canceled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended. This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22.
When is the SR 22 required?
This will be required by you if:
(1) you were arrested and;
(2) you have your license suspended or restricted and/or;
(3) if you are required to take an alcohol program and;
(4) you want to get a restricted license.
To get a restricted license, you have to do 3 things:
(Not immediately – only if you lose your DMV hearing or get convicted in Court)
(1) Pay DMV re-issue fee(s).
(2) Provide DMV proof of financial responsibility (SR-22).
(3) Provide DMV proof of enrollment in approved California alcohol program.
Insurance minimums in California:
For private passenger vehicles per accident: $15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Moving to Another State:
If you currently have an SR-22 and want to move to another state you must maintain the SR-22 like you still live in California – even though you no longer reside here. Also, your insurance policy for the new state must have liability minimums required by law in California. This applies even if you move to one of the states that does not have SR-22 insurance: Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania.
Already convicted and need a license?
First, make sure you are eligible for at least a restricted license by calling the California DMV at 1 (800) 777-0133. When the Voice Prompts begin, say: "Driver’s License," then "Other", then "DUI…" You must be patient as there are varying "wait times."
Then follow the steps above.
Other related information: If you insurance company cancels your insurance because of your conviction, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.
Already agreed to enter a plea or didn’t request a DMV hearing?
If you think you are going to be convicted, make sure you contact an insurance broker BEFORE the conviction appears on your record. A skilled insurance broker can often times save you from being cancelled or having your insurances rates double (typical through State Farm for example) once a conviction appears on your record.
Additionally, you should know that although your SR 22 can be filed electronically you should be able to get an original from your insurance company and hand deliver it to the DMV so that you don’t have to wait for the clerks in Sacramento to do their job – which they do slowly.