Everything You Should Know About Regaining Your License And Your Life

 

The hard facts are this: drunk driving leads to deaths.

If you have ever taken a detour to the bar before heading home, you are risking everything.

Having a revoked license isn’t always caused by getting a DUI.

But statistically this happens quite a lot.

California has a high drunk driving risk, because of the population and how congested the roads are.

California also has some of the strictest laws when it comes to regaining your license and rights to driving after getting a DUI.

There are multiple reasons for getting your cheap SR22 insurance, but one of them is because you may have been drinking and driving.

Now you need help getting back on the road.

Maybe you need to work, or help out with the family dynamics.

Most of the time, a one time offender has no problem making this happen.

But the more and more you offend, whether it be getting a DUI or not paying traffic fines, the harder it is to retain that life you once had.

Hopefully you are the kind of driver who never has to think about cheap SR22 insurance.

But if you are, you should know all of the facts surrounding this law and how it works.

Let’s find out now, together.

 

What is SR22 Insurance?

 

This is the biggest and most frequently asked questions.

Most people don’t know about SR22 insurance.

And the fact that it really isn’t insurance at all, but a document.

So how do we define SR22 insurance?

SR literally stands for “safety responsibility” so that gives you an idea of how literal the laws of California can be.

But really, the SR22 filing is the simplest part of getting a DUI.

There are a ton of fees and possible jail time depending on the severity of the crime.

We use the word “crime” which might sounds harsh, but it is s crime.

We as Americans don’t realize the impact that drunk driving has on the automobile death toll.

 

When Will I need SR22 Insurance?

 

SR22 documentation is “proof of financial responsibility” for drivers who have had their licenses
revoked or suspended for any number of reasons, including:

 

What Do I Do To Attain SR22 Insurance?

 

  1. Contact your insurance company and tell them about your situation. They will file your paperwork electronically. It will cost you around $25 to file this with your insurance company. If you do not yet have an insurance company, contact an insurance broker who can hook you up with the best possible rates.
  2. To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.
  3. You must obtain your filing for a minimum of three years. Do not lapse on this either, or your whole policy and filing will have to start over.
  4. You must also keep your insurance active. Whether you drive or not, your insurance must stay active.
  5. I tis important that you keep your driving record clean. If your insurance lapses, or you get another driving violation, your license will be suspended and you will have to begin the process over again.
  6. The DMV determines when and if your driver’s license may be reinstated. DMV fees, typically a $10 reinstatement fee, are required to reactivate your driver’s license. In addition, any parking or moving violation judgments or fines will need to be resolved before reinstatement as well.

 

What Sort Of Car Insurance Should I Have Along With SR22?

 

 

The state of California has a minimum amount of insurance requirement for all drivers.

If your car is paid for and you have no outstanding balance on your loan, you  are fine with just purchasing the minimum amount.

You must have your title signed over to you.

If you have a loan out on your car or lease a vehicle, you will need full coverage.

Every state is a little different, but California is very clear on what regulations you must follow.

There are state minimum requirements.

For example, the California state minimum requirement for auto insurance is as follows:

 

The above minimum requirements only cover the other party involved if you are in an accident.

Most likely, if you have had some trouble with the law and are now needing auto insurance, you should probably obtain full coverage.

 

Here are the other options for full coverage:

 

 

 

Drunk Driving Statistics For The State Of California

 

 

More information…

 

 

What Will Happen To Me If I Get Pulled Over For Drunk Driving?

 

 

More Facts About Drunk Driving

 

 

Need Cheap SR22 Insurance Now?

 

If you are in a situation where you need help with an SR22 filing, simply call a broker and find out your requirements.

They will be able to tell you which insurance company could save you money.

You may not believe it, but there are ways to still save on your car insurance during this time.

There are driver safety classes you can take.

Insurance companies also take into consideration your age, where you live, your credit and how many prior offenses you have.

There is still light at the end of the tunnel, you just need to know where to go for the best SR22 insurance.

Know that your insurance costs will be directly affected by what kind of car you have and whether or not you have a loan out on the vehicle.

If you plan on NOT driving during this probation period, ask your broker what this means. You still need to carry a certain amount of insurance, but it is different.

Know that SR22 insurance is the first step in a long process of getting you back out on the road.

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