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John A Morton Insurance Agency
3366 22nd St.
San Francisco, CA 94110

415-466-8525
Fax: 415-282-5896

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SR-22 & SR-1P Throughout California

California SR-22 & SR-1p Information

Serving California Since 1983!

DUI, too many Tickets or Accidents?

Keep driving with SR-22 or SR-1P: California Proof of Financial Responsibility

Call: Same day...most cases!

 

The usual method of showing proof of financial responsibility is to provide a California insurance Proof certificate (form SR-22/SR-1P) from an insurance company authorized to do business in California.  The types of coverage on the form SR-22/SR-1P are listed below:

SR-22

A motor vehicle liability policy may be provided to cover only vehicles registered in your name (owner's policy), only to vehicles you do not own(operator's policy), or all vehicles whether you own them or not (broad coverage),  This certificate is acceptable for all DMV actions requiring proof of financial responsibility.

SR-1P

An automobile liability policy or a liability policy for vehicles with less than four wheels.  This certificate is used after an accident without insurance, for negligent operator sanctions per California Vehicle Code Section 12810.5, or for an application by a minor requiring proof.

 

SAME DAY FILINGS ARE AVAILABLE in most cases

 

ONE OF OUR FAVORITE CALLS RELATES TO THE FOLLOWING:

Hate insurance companies?  Would you rather put up a bond?  No problem.  We can help you.  You will need at least $35,000 plus fees.  The cool thing about a bond is that you become your own insurance company.  The California admitted bonding company guarantees you will pay.  That is about all they do.  When someone else has a bodily injury or property damage claim against you,  the bonding company writes out a check against your cash deposit.  You then in turn have to fill up that cash deposit immediately or else your bond is canceled with the DMV.  The bonding company does not provide any legal defense.

Who actually does this instead of buying an insurance policy?  Large companies including car rental agencies who self insure a large fleet.  As you may have noticed,  auto rental agencies charge the consumer for insurance and pocket any gains.  The average consumer is usually better off putting the money in the bank, if they have $35,000, and using the interest to pay for their insurance.  They won't lose their $35,000, the insurance company pays the claim and provides legal defense up to policy limits.

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