Seniors, Can the DMV suspend your driver's license just because you fail to maintain car insurance?

Usually, the latter. Only when you order the SR-22 does the Insurance company know it's a California DUI (unless an accident or other unusual check). An SR-22 isn't a type of insurance coverage, but rather proof that you have insurance.

It is notification from your insurance company to the DMV that you have auto liability insurance in effect in the State of California which satisfies the minimum insurance coverage required by the State. This insurance notification is typically required by the State for 3 years from the date the original suspension would have ended which can be determined, e.g., by adding 4 months from the date you were given the "pink" temporary license (assuming you are a first offender without a refusal of the chemical test). If your policy lapses for any reason (miss a payment, get cancelled) the insurance carrier is REQUIRED to notify the DMV who is supposed to then notify you that you will have to file another SR-22 with them by a certain date or your license will be suspended.

This form, typically filed electronically, is the only form the The Department of Motor Vehicles will accept. They will not accept any other form as a substitute for the SR-22. When is the SR 22 required?

This will be required by you if: (1) you were arrested for a DUI and (2) you have your license suspended or restricted and/or (3) if you are required to take a DUI program and (4) you want to get a restricted license. To get a restricted license, you have to do 3 things: (Not immediately - only if you lose your DMV hearing or get convicted in Court) (1) Pay DMV re-issue fee(s). (2) Provide DMV proof of financial responsibility (SR-22).

(3) Provide DMV proof of enrollment in approved DUI program.

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