If you had an uninsured wreck in California, or maybe you were convicted of being DUI, then you may need the get a restricted license with an SR-22 in Los Angeles. In California, an SR-22 certificate is used to prove that you have insurance. It’s known as a California Insurance Proof Certificate, that your insurer will file with the Department of Motor Vehicles in California.
Is SR-22 an Insurance Policy?
There is often confusion because when people are asked, “Do you have insurance for this car?” you will hear them say, “Yeah, I got my SR-22.” When somebody says they have their SR-22, it means they have proof that their insurer will provide at least minimum coverage for the vehicle they are driving. In short, you can get a restricted license by simply buying insurance for driving your vehicle. Do this, and you can get an SR-22 certificate, which many allow you to drive legally if the courts approve.
Do I Need an SR-22 in California?
If you had a serious offense, you may be required to carry an SR-22. If you do not carry it, then you may lose the ability to drive legally. Even if you are not planning on driving very much, you still need to hunt down at least minimum coverage before you go out driving.
After a serious offense, you may need an SR-22 in Los Angeles to reinstate your legal driving privileges, or to keep your driving privileges. If you have an SR-22, then your insurer will inform the Department of Motor Vehicles that you have insurance. You only need the bare minimum in order for your insurer to make contact with them.
What is a Serious Incident?
This article keeps mentioning how you may be required to have an SR-22 if you have a serious road or car incident. Here are a few examples of what counts as serious.
- Reckless driving
- Driving after drinking while you are younger than 21yrs old
- A DUI conviction
- You have three or more traffic violations
- Driving and having a wreck while uninsured
- Failing to report car incident damage over $1000
- Failing to report bodily injury or death after a car incident
- Not paying whatever fines the judge says you must
How Do I Get My SR-22 in Los Angeles?
Firstly, be sure that you are eligible for it. If you have had a serious incident, you cannot expect to simply buy the insurance and be legally able to drive. If the courts say it is okay, and if they say you need an SR-22, then buy insurance before you go driving. All you need is minimum liability insurance for you and your vehicle, and that should be enough to get you an SR-22 certificate, making you legally able to drive. If you need insurance right away, then get in touch with Mona’s Insurance and work out a deal that suits you.