dmv forms, sr22 info & insurance resources

DMV FORMS, DOCUMENTS & DOWNLOADS

• DMV Change of Address Form
• Application for Non Commercial Restricted License
• Application for Critical Need Restriction - Under 21
• Subpoena for DMV Admin Per Se Hearing
• Request for National Driver Register Check

DRIVING AFTER A DUI

• California Department of Insurance
  California State Insurance governmental and regulatory website with information for consumers and insurance companies alike. Numerous insurance resources provided such as the ability to find the current status of any California insurance agent's state license, learn about insurance fraud, legislature, and regulatory policies.
• ChoicePoint and ISO
  FACT Act Compliance :The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. The FACT Act entitles consumers to obtain one free copy of his/her consumer file from certain consumer reporting agencies during each 12-month period. ChoicePoint has three separate companies that maintain consumer files that are subject to the free disclosure requirement: C.L.U.E. Inc. maintains information on insurance claims histories, ChoicePoint WorkPlace Solutions Inc. maintains employment history information, and Resident Data Inc. maintains tenant history information. Each of these companies designed an easy process for consumers to request their free file disclosure.
• California Automobile Assigned Risk Plan
  A processing center by which people, sometimes considered "high risk drivers", who have trouble buying automobile insurance are put in touch with an insurance company which will insure them. From then on, the person and the certified producer communicate with the insurance company as if they had chosen the company.

INSURANCE COMPANIES

Insurance brokers who are unfamiliar with the nuances of DUI cases may have limited "appointments" from appropriate carriers. (An appointment is the right to bind insurance with a given company.) It is important to deal with an insurance broker who is experienced specifically in the area of DUI insurance. If you deal with a skilled DUI auto insurance broker, you will be presented with the right choices of potential carriers and get the benefit of competitive pricing.

One resource particularly helpful in the area of DUI auto insurance is DUIAutoInsurance.com. If you or someone you care about has been charged with DUI, take the time to explore the alternatives, and make sure that you license does not get caught in the crossfire between the court and DMV. You owe it to yourself to minimize any harmful insurance consequences by visiting this site.

SR-22 Proof Of Insurance

SR-22 Insurance: Once a driver has been convicted of DUI, or presumed to be guilty by the California DMV for neglecting to request an admin per se hearing to contest the suspension of their drivers license, the DMV will require the insured driver's agency provide with an SR-22 Proof of Insurance Certificate, but not all insurance companies offer SR-22 policies.The requirement to show proof of insurance requires the remission of Department of Motor Vehicle form SR-22.

Form SR-22 is designed specifically for DUI cases, and the Department of Motor Vehicles will not accept any other form or policy as a substitute for the SR-22.

The California DMV sets three requirements for those drivers seeking a restricted license after a DUI conviction or charge that has not been contested within the ten day window to request an admin per se hearing:

a. Pay a re-issue fee of $125.00

b. Show proof of financial responsibility (SR-22)

c. Show proof of enrollment in approved DUI program.

In addition, if you have been convicted in a criminal court for DUI and mandated to attend DUI school, again, you will need to show proof of an SR-22 certificate to the DMV to have your drivers license returned. If four months have elapsed by the time the DMV receives notice from the court of your conviction, then the requirement to show an SR-22 will go into effect. The same requirements apply if a criminal court has placed restrictions on your license for a wet reckless conviction.

SR-22 Proof of insurance: Must be maintained for a period of three years from the date the original 4 month drivers license suspension would have elapsed, in other words, for for three years plus four months from the date of your arrest on suspicion of DUI. If this sounds confusing, rest assured, it is, which is why a skilled, proficient, and proven DUI attorney is your best defense against the possible implications of any of the following three circumstances: a dui arrest, a dui charge, or a possible dui conviction.

Proof of insurance WILL stay active, without the need to resubmit an SR-22 filing for three years, as long as you do NOT not cancel the SR-22 insurance policy or get dropped from your auto insurance carrier during this 3 year time period. The insurance policy that the SR-22 is filed under must remain in effect. If your SR-22 policy is cancelled during this period by you or the insurance company, the insurance carrier will be REQUIRED to notify the DMV. The California DMV will then notify you by mail with a deadline to file another SR-22 certificate them or have your drivers license suspended.

San Diego DUI & Auto Insurance

Insurance Premium Hikes: California drivers who have been convicted of a DUI related charge could be subject to increases in their auto insurance premiums as high as 60% to 260% of their pre-conviction rates. Drivers with the most susceptibility to drastic rate hikes are younger drivers, policy holders who drive sports & high performance vehicles, and those motorists who have have points or accidents on their driving records.

Discovery of your DUI arrest: Insurance carriers usually learn of points or sanctions against their policy holders' drivers' licenses by running routine checks of the DMV's database records. The frequency and intervals at which their records are updated varies from carrier to carrier. It is possible the offense won't surface until you make a change to your coverage or are nearing your policy's renewal date.

Ricochet Rate Increases: In addition to a DUI charge potentially increasing the price of your automobile coverage, you may want to brace yourself for higher premiums on insured boats, watercraft, RV's and motorhomes, recreational vehicles, motorcycles, and life insurance, as well.