The state of California requires all vehicles to be covered by a minimum amount of liability insurance. Insurance companies in CA are required by law to report to the state the insurance status of a vehicle and the driver must provide proof of insurance in California during the first-time registration of a vehicle, or when a vehicle registration is renewed.
When do you need an SR-22?
SR-22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR-22 is not an insurance policy. It is evidence that you have a policy.
Typically, an SR-22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR-22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new SR-22 is filed.
Contact Serenity Insurance if you require auto insurance with an SR-22. Serenity Insurance specializes in helping DUI offenders get back on the road with a legal driver’s license. Call Serenity Insurance at 1-800-774-0520 or go online today for a free SR-22 insurance quote.
Minimum Insurance coverage requirements in California
The standards below indicate the minimum coverage required by law in California. Drivers can always acquire higher coverage in accordance with their risk preference.
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