Los Angeles County SR22 Insurance

Frequently Asked Questions About SR22 Insurance in Los angeles County

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1. Who Needs a Los Angeles SR22 Policy?

If you were deemed negligent by accumulating too many points on your driver’s license or if you were involved in a reckless, wet, or DUI-related accident, the most common reason people in Los Angeles County need SR22 coverage is to get their driver’s license back. Easy Breathe Solutions Insurance offers affordable SR22 policies, which are required to carry if you were under-insured or not insured at all during the accident. Additionally, during the probation period, obtaining a restricted driver’s license is a necessary requirement. California drivers who have been convicted of a DUI and have had their driver’s license restricted, revoked, or suspended must obtain SR22 insurance before they can get back on the road.

2. What Exactly Is an SR22 Insurance Policy?

An SR22 is a document that confirms you are financially responsible and covered in the event of an accident, but it is not insurance itself. Instead, it is a certificate filed by your insurance carrier with the DMV in California, which confirms that you have the appropriate coverage specified by California state law. SR22 is not insurance, but a certificate that confirms you are covered and responsible in the event of an accident, and it does not cover property and other people, as liability insurance does.

3. How Long Will I need an SR22 in LA County?

If you are convicted of multiple DUI offenses or other serious driving offenses, you may be required to maintain an SR22 on file for a longer period of time. In most cases, the DMV will require you to maintain an SR22 on file for three years.

4. How Much Will a Los Angeles County SR22 Cost?

The cost of a policy that complies with SR22 regulations is determined by factors such as your location, driving history, age, and the insurance company that provides your policy. While costs may differ, generally, an insurance policy with an SR22 attachment will be more expensive compared to a standard auto insurance policy. The estimated cost of the high-risk policy required for an SR22 will be three to five times higher than that of a standard liability policy. Additionally, your insurance company will impose a fee to file the SR22 form with the DMV.

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5. How do I Get a Restricted License in Los Angeles County?

Furthermore, apart from the previously mentioned charges and prerequisites, the Department of Motor Vehicles (DMV) will mandate the installation of an ignition interlock device in your vehicle for second and subsequent violations. The cost for reissuing a license is $125, and there is an additional fee of $15 for restricted licenses. If you register in a DMV-approved DUI school in Los Angeles, submit an SR22 form to the DMV, and pay the corresponding charges, the California DMV typically grants a license for a first-time DUI offense.

6. Will I Need To File an SR22 If I Move to Another State?

If you can show evidence of coverage, the California DMV will grant your SR22, and if you relocate to a state that doesn’t mandate the SR22 filing, you can acquire liability insurance with limits that are either equal to or greater than the limits necessary in California. Once you reach a different state that necessitates the SR22, you must procure a policy and file it with that particular state. It is important to note that your SR22 is solely applicable in California if you file it there. While a majority of states do require the SR22 filing, there are a few states that do not have this requirement.

7. How Can I Find an Insurance Company That Will Issue SR22 Insurance?

When you file your SR22, the representative will respond to your inquiries and initiate the procedure. Dial 866.822.7755 to communicate with an agent from Breathe Easy Insurance. We will digitally submit your SR22 to the California DMV and offer inexpensive liability coverage. Breathe Easy Insurance Solutions serves as your all-in-one destination for SR22 compliant insurance policies.