Article by Andres A Golden
If your license was suspended as a result of a conviction or judgment for DUI, you may be required to get SR22 insurance when getting your driver’s license reinstated. Because the SR22 is a specialty policy, many insurance companies charge a higher rate for it. So you may have to search and shop around to find cheap high risk auto insurance. Because you will be required to carry the SR22 for at least two years, you should definitely try to get the best deal possible.
First, talk to the insurance company you have already been involved with. Some will provide sr22 insurance and be able to offer a good deal if you maintained a good credit history with them. If your insurance company does not offer sr22 certification, you may either look through your local phone book or check online for insurance companies that specialize in cheap high risk auto insurance.
There are several Internet-based comparison websites that allow you to get several quotes from different insurance companies. Whether you gather quotes online or through the phone, you must get numerous quotes from different providers in order to compare prices and levels of coverage. Check the policies coverage for liability, personal injury, rental cars, and compensation. Paying a little more in order to get better insurance coverage will really save you if you get into an accident. If your family has several policies, ask if the insurance company can give you a multi-car discount. Keep in mind though, that you only have to get one sr22 certified policy, even if you have more than one car.
Only after you find the right policy, will you be able to move on with the process of getting your license reinstated. You will need to submit the SR22 proof of insurance certificate to the Department of Public Safety, and pay a reinstatement fee. If your coverage lapses at any time the insurance company is obligated to notify the state in which you live. It is therefore wise to keep you SR22 policy up-to-date, or you will have to go through the reinstatement process again.
Comparing among policies and prices online for cheap high risk auto insurance and SR22 Insurance allow you to make a smarter decision and finally getting your license reinstated.
What happens when you get DWI, Marijuana, license suspension, SR22 insurance
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SR22 insurance
Question by Brian W: How long do you have to have SR22 insurance? It’s really expensive and my case was settled over 2 yrs ago.
California?
Best answer:
Answer by Bam Bam
most states 2yrs
Know better? Leave your own answer in the comments!
it varies by state…last one i wrote he was required to have for 4 yrs
A California Insurance Proof Certificate (SR22) filing is
required in cases of unsatisfied judgments, major convictions,
license suspensions and failure to have liability at the time of
an accident. Your insurance company files this form with the
DMV. The filing requirement period can be up to three years.
Most major convictions of traffic offenses, such as hit and run,
reckless driving, and driving under the influence will remain
on your record for seven years from the violation date. Most
minor convictions will remain on your record for three years, however current legislation may extend that time, you can contact the DMV at 916-657-7780 and they will be able to tell you the exact amount of time that you will need to keep your sr22 on file. If you get a busy signal, dont give up just keep hitting redial once you are in the cue they are beleive it or not very helpful.