The California DMV can terminate or suspend your license driving offenses. In order to reinstate your license, you may need SR-22 Auto Insurance if you have had an alcohol or drug related driving offense. The term SR-22 is a misnomer, because it is not the actual insurance. SR-22 requires a Certificate of Insurance that is provided by your auto insurance company. You must obtain and provide this proof of insurance for a certain period after your license is suspended. If you learn you need SR-22 Insurance, please be sure you contact NickersonPartners Insurance Agency in San Diego, CA to learn which auto insurers may provide this type of certificate. There are additional costs or fees for your insurance company to provide you with this type of Certificate of Insurance, and NickersonPartners Insurance Agency can help you compare quotes.

Requirements for SR-22 Auto Insurance

“SR” stands for “safety responsibility” law. In California, SR-22 Certificates of Insurance show proof of your future financial responsibility to cover costs and damages from auto incidences. California also allows people to show future financial responsibility by purchasing a $40,000 Certificate of Deposit for the California Office of the Treasurer. The SR-22 Certificate provides proof required by California to show you have the proper level of high-risk insurance coverage. It enables the state to keep track of your insurance coverage, so be sure not to let the coverage lapse. When you call NickersonPartners Insurance Agency, be sure that you compare quotes from companies that will provide insurance to you for the length of time required by the law, which is usually three years.

You should also make sure the insurance company provides coverage that meets the standards of the laws of California. You may also need to have SR-22 for an even longer period if you fail to keep it current. Since the SR-22 means the insurance company will consider you a high-risk person to insure, you may have to get higher coverage thresholds and pay more to obtain the coverage.

What to do After You Obtain SR-22 Auto Insurance

After you obtain the SR-22 Certificate, you will need to file it with the California DMV and make sure that you keep your insurance coverage consistently through the filing period, usually three years. During this time, you can help prove to your insurance company and the state that you are a lower risk driver by being safe. Be sure you never again drive under the influence, and follow the safety laws. Drive slowly and carefully and avoid being pulled over again.

NickersonPartners Insurance Agency can help you find out more about how to research SR-22 auto insurance rates and save in our Phoenix, AZ Offices. We welcome you to call us today!