California SR-22 Auto Insurance
If you need an SR-22 to get car insurance in California, you aren't alone. This relatively routine legal requirement is triggered by a violation like a DWI conviction, a driving-without-insurance citation, an at-fault collision, a citation for driving with a suspended license, or accumulating too many license points.
Getting affordable insurance coverage with a SR-22 in California might require some effort, but it could pay off. We explored how much a SR-22 certificate usually costs in California and how to go about getting one — let’s dive in.
How much is California SR-22 insurance?
Auto insurance with an SR-22 in California will probably be expensive. This isn't a result of the SR-22 itself — filing fees are usually $15 to $35 — but because of the insurance cost increases from the driving violation that necessitated the SR-22.
Insurance companies charge high-risk motorists more expensive rates to account for the more substantial probability of claims payouts via collisions. The rate increase you will face may depend on the number and severity of infractions — below are average car insurance prices for drivers with SR-22s in California.
With an active insurance policy, requesting an SR-22 might be easy. Just call your insurance company request they file a SR-22 request on your behalf. If your current insurer declines to request a certificate, you should shop around for a new insurance company.
When filing for car insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. An SR-22 requirement may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
Not having a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If this is the case, you should buy a non-owners car insurance policy before filing for an SR-22. A non-owners policy is typically less expensive than a standard policy since it won’t provide protection for physical damage sustained by your vehicle.
Why do you need California Commercial Auto Insurance?
In general, if an auto is used in tasks related to the operator's occupation, profession or business, other than commuting, a commercial policy is necessary.
What does Commercial Auto Insurance cover? - Commercial auto insurance, like your personal auto policy, provides similar coverages such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage to California businesses. However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverages, exclusions, and limits.
Most Commercial auto policies are "named driver only" policies, meaning only those drivers listed on the policy can operate a covered auto.
What are the coverages?
Providing California Commercial Auto Insurance
With many different options, commercial car insurance can be confusing. We can help you with your commercial vehicle insurance needs in Los Angeles California area. So contact one of the agents at Madero Insurance Services, LLC for your California commercial auto insurance needs