Category Archives: SR22

Livermore, CA Auto Insurance Broker

Auto Insurance

We believe there’s more to auto insurance than coverages and claims. At Ryan Hayes Insurance Brokerage, we start with experience – yours. We’re guided by your unique needs, translated into the policy that works best for you, your family and the vehicles you drive.
Our job? To give you the benefits of our experience. More than 60 years of it, grounded in the automotive industry. We take pride in the insurance products and services we offer, designed to give you the best possible auto insurance coverage – affordably – from your first car to your 21st.
We are committed to your complete satisfaction. And if you do need to make a claim, we’ll handle it as quickly, professionally and gently as we can. We don’t just want to “get” your business. We want to keep it.
Ryan Hayes Insurance Brokerage. We’re here when you need us. Count on it.

Walnut Creek, CA Auto Insurance Broker

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San Ramon, CA Auto Insurance

Looking for a cheap quote on auto insurance or need an SR22? Click here to request an auto quote.

Dublin, CA Auto Insurance

Insuring your vehicle and Determining Your Premium

Pricing amongst auto insurance companies varies greatly. Although cheap car insurance can be acquired, premiums are generally based upon certain set factors and characteristics.

Some of these include:

Age, gender and marital status
Auto type, Model
Use of your vehicle
Driving record
Household driving information
Coverage limits
Zip code
Millage

SR-22 Form Information For California

WHAT IS AN SR-22 FORM

An SR-22 form is a document that helps the DMV and the state of California ensure that motorists are financially responsible for their driving. Certain drivers are deemed to be at risk because of past violations (as listed below) and are therefore required to file an SR-22 form with their auto insurance company. The auto insurance company will keep record of the SR-22 as well as providing the motorist and the state DMV with a copy.

In the state of California there are three different types of SR 22 forms:

  1. An Operator’s Policy Certificate which covers the financial responsibility in the case the motorist does not own a vehicle.
  2. An Owner’s Policy Certificate that covers the financial responsibility for vehicles owned by the motorist.
  3. A Broad Coverage Policy Certificate covers financial responsibility for all the vehicles that are owned or not owned by the motorist.

WHEN IS AN SR 22 REQUIRED?

The SR-22 financial responsibility insurance form is required for specific drivers in California. The form(s) may be required for the following reasons:

  1. If you have any safety responsibility suspensions. For example, if you were an uninsured driver and were involved in an accident in the past but did not pay the requisite compensation.
  2. If you have any unsatisfied judgment suspensions. For example, if you, as a driver were involved in an accident in the past and then you had an unsatisfactory judgment entered against you.
  3. If you have a restricted license.
  4. If you have had your license revocated.
  5. For individuals convicted of DUI.

FILING FOR AN SR 22 FORM

  1. Contact a DMV-authorized auto insurance agency or broker to request for a SR-22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our auto insurance page and where we offer quotes from companies who will allow you to request an SR 22 filing automatically. This can all be done online and will often allow you to save on auto insurance rates.
  3. As per the State laws of California, the minimum amount of coverage for one accident should be $15,000 for one person killed or injured, $30,000 for two or more persons killed or injured and $5,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the DMV in about 30 days.
  5. If accepted, you will receive the SR-22 from the agency along with a letter from the DMV.
  6. The SR-22 has to be maintained for a minimum period of 36 months. If this is not done, the DMV may suspend the driving record of the motorist until the insurance is reinstated.

FOR OUT OF STATE RESIDENTS

In case you move to another state, the requirements of your new state of residence will be applicable to you. Contact your insurance company for more information.

ADDITIONAL INFORMATION

  • An amount of $35,000 in cash or as a surety bond may be deposited with the DMV in place of liability insurance.
  • DMV-approved self-insurance is also considered adequate proof of financial responsibility.

More on SR22

An SR22 is not actually an insurance policy as it is often referred to as SR22 insurance. An SR22 is an add-on to a traditional auto insurance policy often called an SR22 form or SR22 certificate that your insurance provider will provide you with as proof of coverage that is then filed with the DMV.

An SR22 filing will be required by the DMV in order to reinstate a driver’s license that has been suspended or revoked due to a number of reasons such as DUI, DWI, being involved in an accident without proof of insurance or too many traffic violations within a certain period of time.

After your suspension period is up you will need to apply for an auto insurance policy with an SR22 form add-on. Your SR22 insurance policy provider will either give you a copy of the SR22 form to file at the DMV office when you go down to reinstate your driver’s license or they will perform the SR22 filing directly with the DMV themselves so that you don’t have to be involved in the process.

It should be noted that not every insurance company will perform SR22 filings; you may find that an insurance company that you have used for years will not provide you with coverage because of your SR22 requirement. Not to worry, we can help you find an insurance carrier who does SR22 filings.

While the laws vary from state to state regarding SR22 filings, most states will require you to carry the SR22 for three years. If at anytime during the three-year period there is a lapse in your insurance coverage, your insurance provider is required by law, due to the SR22 filing to inform the DMV of the lapse in coverage.

The DMV will then send you a letter in the mail letting you know that your driver’s license has once again been suspended. If this happens you will have to pay any outstanding premiums due to your insurance company and then you will have to go through the SR22 filing process all over again in order to reinstate your license.

What Happens to My SR22 if I Move out of State

Lets say that you currently live in Colorado where you currently have an SR22 filing and the minimum liability coverage limits are 25k/50k/15k and you are going to move to California where the minimum liability limits are 15k/30k/5k.

Even though you are moving out of Colorado, you will still be required to complete your SR22 filing period in Colorado and your new insurance policy in California must meet the Colorado minimum liability limits. Failure to meet the state minimum liability limits where your SR22 is filed will result in your license being suspended.

Can I Switch Insurance Carriers While I Have An SR22 Filing

You may switch insurance carriers during your SR22 filing period, but the important thing to remember is that if there is any lapse in your coverage, even for one day your license will be suspended.

If you want to switch insurance companies, what you’re going to want to do is to get your new insurance policy enforce and have your new insurance company complete the SR22 filing with the DMV office before you cancel your old policy.

What Happens if I Get Stopped by the Police during My SR22 Requirement Period

When the officer asks you for your driver’s license, registration and insurance, you will also need to give the officer a copy of your SR22 form. So it is important that you keep a copy of the SR22 form in your vehicle at all times during the required filing period. Failure to provide proof of your SR22 filing to the officer can result in increased fines or possibly a license suspension.

Additional SR22 Considerations

The most important thing to remember is that during your SR22 requirement period you want to avoid any lapse in your SR22 insurance policy at all costs. Causing a lapse in your coverage is just one additional headache you don’t need.

We strongly recommend trying to pay your insurance premiums every 6 months to 12 months as a way to lessen the chance of a lapse in coverage. If you are financially unable to pay for 6 to 12 months of insurance premiums in advance, you will at least want to setup some sort of a system to help you avoid causing a lapse in coverage.

Say for instance, if your premium is due on the 15th of every month, you can make sure that it is paid by the 5th of every month. Any thing you can do to avoid a lapse in coverage will help to give you the peace of mind you deserve and hopefully allow you to sleep better at night.

SR22 Insurance

An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits.  If you are required to maintain this filing, you will be notified by the state.

An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.

The Ryan Hayes Insurance Brokerage (RHIB) can help you:

  • Obtain the proper documentation
  • Purchase an affordable auto insurance policy
  • Get back out on the road

How long are SR-22 Filings Required?

This can vary by state and by severity of the offense.  The typical requirement is three years.  If you cancel your policy prior to the termination date, the Insurance Company is obligated to file an SR-26 notifying the state that you no longer have insurance.

SR-22 Filings from RHIB

We provide SR-22 Filings in most states.  Simply indicate that an SR-22 Filing is needed while getting your free quote.  The SR-22 insurance form will be included with your policy documents after you have applied for and purchased your auto insurance policy online.  You can literally have your SR-22 form in a matter of minutes.

** Please note that RHIB can only file an SR-22 in the state where your auto insurance policy has been issued.