Can I get car insurance with out having a license?
I'm trying to get my driver license in California back from after a DUI. I know I need car insurance and a SR22 from an insurance company to get my license. Can I get car insurance with out owning or driving any cars and with out a license? ...
I'm trying to get my driver license in California back from after a DUI. I know I need car insurance and a SR22 from an insurance company to get my license. Can I get car insurance with out owning or driving any cars and with out a license?
Asking an insurance company is the only way you may ever know the answer. No person here get the clear idea.Call around !
SR22 is a certificate used by certain individuals who have had suspended driver’s license to have it reinstated again. This certificate also assures the state that the individual has insurance liability coverage.
How to get SR22
SR22 certificates can be purchased through car insurance providers. It is typical for the insurance provider to charge, at the most, 4 times the regular insurance coverage given the nature of the certificate. Because this is such a high-risk policy, not all insurance companies can provide SR22 certificates.
Purpose
The Court or Department of Motor Vehicle (DMV) will notify the high-risk driver to purchase SR22 coverage in order to be allowed to drive again. This certificate will assure or guarantee the court or DMV that the individual has met the minimums of liability coverage allowed by the law. If the policy is suspended for any reason (lapse of payment or expiration), the insurance provider will automatically inform DMV and DMV will immediately suspend the driver’s license and sometimes penalize the driver
No. Since we insure cars (not drivers) and you have no car, you have nothing to insure.
Yes.
I recommend calling John MacDonald at 1 800 346 7370 for all of your insurance needs. John MacDonald Insurance
An SR-22 isn’t a type of insurance coverage, but rather proof that you have insurance.
It 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 the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the "pink" temporary license (assuming you are a first offender without a refusal of the chemical test).
If your policy lapses for any reason (miss a payment, get cancelled) 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 for a DUI and;
(2) you have your license suspended or restricted and/or;
(3) if you are required to take a DUI 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 DUI 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. 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 guilty 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 DUI 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.
autoinsurance.noneto.com – try this one. I have their car insurance and, as I know, they can provide such a service.