First off, the SR-1 form is a California accident report so you would need to file it in CA and not your home state of Iowa, plus the accident was in California. According to the California Department of Motor Vehicles states that if you are involved in a vehicle accident that occurred in California, you must report it to DMV if:
- There was property damage of more than $750 ($500 for accidents prior to January 1, 2003) or
- Anyone was injured (no matter how minor) or
- Anyone was killed.
Each driver must make a report to DMV within 10 days, whether you caused the accident or not and even if the accident occurred on private property. Mail the completed report form to the address on the form. You can get the form off of the CA DMV website.
You stated that you were driving someone else's car which you were not insured under. Hopefully the vehicle itself was insured by the friend you borrowed it from. If so then unless you were excluded or there are other restrictions on their policy then normally the owner's insurance on the vehicle would extend to those that the owner gives permission to drive the car and thus cover you in this accident.
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[Let CarInsurance.com help you find affordable auto insurance now.] If the car was uninsured by the owner and you were cited for that you may want to contact the court listed on the ticket to see if you will be held responsible or if the owner would be for not having the vehicle insured. If you were cited by the police for driving without insurance and are personally being held accountable for this then it is likely that a SR-22 will be required.
At the present time if you do not own a car you could obtain a non-owners policy. If you are mandated to get a SR-22 then you would need to add that to your non-owners policy. If in the future you buy a car you then should change over your non-owner policy into one that will cover your vehicle.
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