California SR-22 Auto Insurance Policy

In California, the Department of Motor Vehicles (DMV) requires an auto insurance policy for drivers after having a DUI-related (driving under the influence) offense. This is what we call as an SR-22 insurance policy, and it is required for a minimum of three years after a drunk-driving conviction.

Auto insurance companies are required to file a California SR-22 insurance policy form to the Department of Motor Vehicles in case the policyholder is not covered anymore. Non-coverage of a driver by an auto insurance company could happen for a number of reasons such as: lapse in coverage that could be due to missing a payment or late payment, termination of coverage (especially if the driver is involved in a DUI offense that makes him a high-risk driver), switch of SR-22 provider. The reason behind this is that the Department of Motor Vehicles in California should be informed of any changes in the auto insurance policies of a DUI offender.

Now, if you are seeking out an California SR-22 insurance policy provider, I suggest that you try the smaller auto insurance companies. Larger auto insurance companies do not usually offer SR-22 auto insurance policies because they do not want to be involved with high-risk policies, and they do not want to go through all the hassles that SR-22 insurance policies usually demand