auto insurance with sr22 or truck insurance

You may have a DMV-certified IID installed by calling the toll-free number of one of the companies listed. Ask about the prices and the availability of service in your area.

Guardian Interlock Systems
(800) 499-0994

Autosense International
(800) 325-2656

LifeSafer Interlock Systems
(800) 210-8087

Consumers Safety Technology
(877) 777-5020

Smart Start
(800) 880-3394

Alcohol Detection Systems
(800) 786-7394

Alco Alert Interlock
(888) 663-9847

Draeger Safety Diagnostics
(800) 332-6858

ignition interlock systems Calibration And Monitoring

Once installed in your vehicle, the IID must be calibrated and inspected by a certified installer at intervals not to exceed 60 days. The inspections make sure the device is working properly and that no violations have been logged. Drivers who do not comply with IID requirements are reported to the court or to DMV (whichever applies) and may have their driving privilege suspended or revoked.
Installation And Monitoring Fees

IID installation and monitoring fees vary among companies and may depend on your location. Call the listed companies for price quotes.

15.040  Vehicles Excluded from Providing Proof of Financial Responsibility

The following types of vehicles are not required to provide evidence of financial responsibility to the department:
•Trailers
•Off-Highway vehicles
•Vehicles registered to a government entity (city, county, state, federal)
•Special Equipment vehicles
•Vehicles registered under a Planned Non-Operation status.

15.110
Insurance Information on DMV Printouts

The following insurance information messages will appear on the fee paid R60 vehicle record printouts. The message will appear below the DATE and TIME fields or, if a Department of Justice (DOJ) stop is present, directly following the DOJ STOP notice.

Mandatory vehicle registration financial responsibility requirements

Financial responsibility must be obtained and maintained on any vehicle operated or parked on California roadways and must be provided as specified below:

* When requested by law enforcement
* When renewing vehicle registration (if requested)
* When the vehicle is involved in a traffic accident
* Within 30 days of receiving a registration card for a newly acquired vehicle
* Within 45 days of the cancellation of a policy for a currently registered vehicle

You must carry evidence of financial responsibility (proof of insurance) in your vehicle at all times.

DUI Programs and Restricted Licenses ~ Completion of a DUI program is required for all DUI convictions.

Second and subsequent DUI convictions result in increased penalties, including a two-year suspension or a revocation of up to four years. After you complete a prescribed period of your suspension/ revocation and either enroll in, or complete a portion of, a DUI program, you may obtain a restricted license to drive anywhere necessary if you:

* Install an IID on your vehicle.
* Agree not to drive any vehicle without an IID.
* Agree to complete the prescribed DUI program.
* File an SR 22.
* Pay the reissue and restriction fees.

Restricted Commercial Licenses

If your commercial driving privilege was restricted before September 20, 2005, the restriction will be honored. However, if your license is subsequently suspended, revoked, canceled, disqualified or if it expires a new restricted license will not be issued.

Financial Responsibility Suspension:
If you are involved in an accident without insurance and are suspended, you may be eligible for a restricted non-commercial driving privilege. You would be required to:

* Downgrade to a non-commercial status
* File proof of financial responsibility (SR 22)
* Pay applicable fees

Get the rest of this article at Changes to the Commercial Driver License Program

California DUI FAQ ~

Beginning January 1, 2007, if you request an out-of-house/public driving record printout, any DUI offense on your record will appear for 10 years from the violation date

Q1. What changes will affect DUI offenses on a driving record?

A. Effective January 1, 2007, new legislation extends the reporting period for DUI offenses from 7 to 10 years for all public requestors, including insurance companies.

Q2. Why did the law change?

A. The new law allows insurance companies access to the driving record information to properly apply the new provisions of the Insurance Code established under Senate Bill 597 (2005), to determine a customer’s eligibility for a good driver discount. Based on the new laws, drivers with a DUI violation occurring within the past 10 years are not entitled to receive a good driver discount.

Q3. I had a DUI in June 1999 that no longer appears on my driving record. Will this violation now show on my record again, since it occurred less than 10 years ago?

A. Yes, based on the new law, your DUI offense will appear back on your driving record and will remain there until June 2009, 10 years from the violation date.

Q4. I have been getting a “good driver” discount on my car insurance ever since my 1998 DUI went off my record in 2005. Will I still qualify for this discount?

A. Unfortunately, no. Under the new law, you may not qualify for a good driver discount again until 2008, 10 years from the date of your DUI violation. You may want to contact your insurance representative if you have additional questions regarding your insurance premiums.

Q5. Will my DUI violation automatically be removed from my driving record after 10 years?

A. Yes, a DUI offense that occurred more than 10 years ago will not appear on your out-of-house/public driving record.

Q6. Will the new law affect me if my DUI violation occurred over 10 years ago?

A. No, a DUI violation that is already more than 10 years old will not reappear on your driving record.

Q7. How do I know which violations will report for 10 years?

A. Under the new law, any DUI violation under California Vehicle Code sections 23140, 23152, or 23153 will report for 10 years. There are some other non-DUI violations (e.g. 23103.5 “wet” reckless) that will report to courts and law enforcement for 10 years and may count against you for the purpose of determining increased penalties for repeat offenders, but will continue to show on a public driving record for only 7 years.

Q8. Why is the DMV discriminating against individuals with DUI offenses?

A. The department is not discriminating against individuals with DUI offenses. It is implementing legislation that is intended to discourage DUIs by increasing the time-period that an offense remains on an individual’s driving record.

Q9. Will an exception to the new law be made if an individual has no tickets or violations after the DUI offense?

A. No, the 10-year reporting period applies to all non-commercial drivers, even those who maintain a clean driving record thereafter.

Q10. What will happen if my insurance company previously gave me a good driver discount and now finds out I had a DUI more than 7 years ago.

A. It will be up to your insurance company to correctly apply the provisions of the Insurance Code and make decisions regarding your policy based on specific entries on your driving record. They may modify your existing policy, offer you a new policy that does not include a good driver discount, or cancel your policy completely.

Check with your insurance company representative if you have specific questions related to your eligibility for a good driver discount.

Q11. I drive for a living and my employer participates in the DMV Employer Pull Notice (EPN) Program. My employer is not aware that I had a DUI in December 1997. Will my DUI now be reported to my employer?

A. Effective January 1, 2007, your DUI will again report on your driving record since it occurred within the past 10 years. The department’s EPN program automatically generates and mails a driver record to the employer for newly enrolled drivers, or upon any action or activity updated to the record, or annually for currently enrolled drivers.

Although employers will not automatically be notified of a DUI that reappears on a driving record when the new law takes effect on January 1, 2007, the DUI violation will appear on the next printout DMV provides to your employer.

Q12. I drive for my employer. I’m afraid I will lose my job if my employer finds out I had a DUI in 1998. The DUI did not appear on my DMV printout that I provided to my employer nine months ago when I was first hired.

A. It will be up to your employer to determine if the DUI will affect your employment. You may want to discuss your concerns with your employer.

Q13. How does the new law affect me if I have a commercial driver license (CDL)?

A. The new law pertains only to non-commercial drivers. Due to federal requirements established under the Motor Carrier Safety Improvement Act of 1999 (MCSIA), the reporting period for DUI violations is different for commercial drivers.

For example, a conviction for a major violation committed in a commercial vehicle (e.g. DUI) will be retained for a period of 55 years on a CDL record, as will a driver license suspension or any withdrawal action.

Q14. What will happen if my insurance policy is cancelled because of a DUI violation?

A. If your insurance policy is cancelled for any reason, you need to get new insurance right away, since it is illegal to own or operate a vehicle without liability insurance in California. You may want to check with your own insurance company before going to another company; they may offer you a policy without a good driver discount.

Current law requires your insurance company to electronically report your insurance information to DMV. Once your insurance company notifies the department that your policy has been cancelled, you will receive a notice indicating that your vehicle registration will be suspended if new insurance information is not submitted within 45 days.

In addition to proof of insurance for registration, if you are required to maintain a California Insurance Proof Certificate (SR 22) for your driver license, you will need to have your new insurance company file a new SR 22 with DMV immediately to avoid the suspension of your driver license based on the cancellation of your insurance proof certificate.

If necessary, individuals unable to obtain insurance through their regular insurance company may have any agent or broker make an application to the California Automobile Assigned Risk Plan (CAARP). You may contact CAARP directly by calling 1-800-622-0954.

* $15,000 for injury/death to one person.
* $30,000 for injury/death to more than one person.
* $5,000 for damage to property.

Liability insurance compensates a person other than the policy holder for personal injury or property damage (comprehensive or collision insurance does not meet vehicle financial responsibility requirements). Check your policy or talk to your agent or broker to make sure you have sufficient liability insurance coverage for each vehicle you own.

California Low-Cost Automobile Insurance Program information is available on the Department of Insurance website.

* Your driving privilege may be suspended. If you are involved in an accident and cannot provide evidence of financial responsibility, you may lose your driving privilege for up to one year.
* Registration of your vehicle will be subject to suspension (effectiveOctober 1, 2006). DMV will begin the process to suspend the registration of your vehicle if liability insurance is cancelled and a replacement policy is not submitted within 45 days, or your insurance company has not electronically provided evidence of insurance within 30 days of a registration card being issued on a newly acquired vehicle, or if you provide false evidence of insurance.
* You may be cited. Failure to provide evidence of financial responsibility when requested by a peace officer may result in a citation with fines that could reach $1,000 or more. (DMV cannot clear or sign citations relating to financial responsibility. Only a court can clear or sign these citations).
* Your vehicle may be impounded. Failure to provide evidence of financial responsibility may result in your vehicle being impounded, in addition to any fines.
* You may be personally liable for damages. If you contribute to the cause of an accident and cannot provide evidence of financial responsibility, you may be forced to compensate the other party for any injuries and damages.

Your insurance company is required to electronically report insurance information for all private-use vehicle liability policies. In some cases, however, you may also be requested to submit this information to DMV by providing:

* A document or identification card from your insurance company indicating that the vehicle is insured. (Documents mailed to the department will not be returned.)
* A DMV authorization letter, if you are a cash depositor or are self insured.
* A copy of the surety bond, if you maintain a surety bond for financial responsibility.
* California Proof of Insurance Certificate (SR-22) for broad coverage or owner’s policy. (Operator’s policy does not satisfy financial responsibility requirements.)
* Evidence that the vehicle is owned or leased by a public entity defined in Government Code §811.2.
* Motor carriers as defined in CVC §34601 may complete a Statement of Facts (REG 256) indicating that the carrier has evidence of insurance on file with the Public Utilities Commission or DMV pursuant to CVC §34630.

The following types of vehicles are not required to provide evidence of liability insurance to DMV:

* Trailers
* Off-Highway vehicles
* Vehicles registered to a government entity (city, county, state, federal)
* Special Equipment vehicles
* Vehicles registered under a Planned Non-Operation status