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San Diego SR22 Insurance

SR22 Insurance in San Diego:

SR22 insurance in San Diego, or the SR22, is used by the California DMV (Department of Motor Vehicles) to verify that problem drivers are maintaining the minimum insurance required by the law.  These drivers are considered high risk, and are required to file for an SR22 with a state licensed auto insurance company.  SR22 insurance in California is referred to as a certificate of financial responsibility.  The insurance company acts as a go between and will provide both the driver and the DMV with the valid SR22, and monitor the stratus of the certificate.

The three types of SR22 in San Diego are:

• The certificate that provides financial responsibility where the driver owns the vehicle.
• The certificate that provides financial responsibility where the driver is not the owner of the vehicle.
• The certificate that provides financial responsibility where the driver may or may not own the vehicle.

In San Diego the SR22 is needed for these reasons:

• The driver had suspensions due to safety responsibility issues.  This is the case if a driver was a party to an accident in which his vehicle was not insured, and his fine remained unpaid.
• The driver has a number of unpaid judgments and then became involved in another accident in which another judgment was given.
• The driver has a restricted license.
• The driver is convicted of a DUI.
• The driver’s license has been revoked.

An SR22 is filed in San Diego in the following way:

• The driver must first contact a state-licensed auto insurance company and file for an SR22.
• The driver pays the requested processing fee; this fee will vary with the insurance company, so the driver can shop around for the best quotes.
• The driver must purchase at least the minimum liability coverage required by San Diego law and that is $15,000 for the injury or death of one person, $30,000 for the injury and death of two or more people, and property damage for $5,000.
• The SR22 insurance company will send the SR22 request to the central office which will then send an SR22 to the DMV within 30 days.
• When and if accepted, the driver will receive an SR22 from the insurance company along with a DMV acceptance letter.
• The driver’s responsibility is to maintain the SR22 in good standing for at least three years otherwise his driver’s license will be suspended, and will not be reactivated until the driver reinstates his insurance.

For San Diego residents who move out of state, the new state’s auto insurance laws will then apply to the driver’s insurance concerns. You should check with his insurance company for details on how to proceed.

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