Reader’s Question:

I’m moving to Tyler, Texas from Delaware and I was wondering if I should still continue filing my SR 22 once I’m settled in my new state?

Kara

Tyler, TX

When moving to a new state, it is always a good idea to check with the local Department of Motor Vehicles if you would have to continue your existing SR 22 from where it was originally filed and issued. This rule differs by state laws. In your case, by moving to Tyler and under Texas law you are no longer required to maintain an SR 22 filing based on your driving record from Delaware. This does not mean though that the state of Texas doesn’t issue SR22’s or that you are allowed no to carry or continue your existing auto insurance policy.

There are states however, such as Texas and California for example, that will require you to maintain an SR 22 for the duration period (usually about three years) until the period expires. Certain states like Delaware, Kentucky, Minnesota, Oklahoma and Pennsylvania will not require you to file an SR 22 but if you brought along an SR 22 from another state you would still need to complete the three-year holding period.

The best way to determine if you should still need to carry an SR 22 when moving between states is to talk to your insurance company or insurance agent since they would be knowledgeable about specific state laws and requirements wherever you may be moving to.

Tags: auto insurance, SR22 insurance

Reader’s Question:

My husband has had one too many driving tickets here in Buena Park, California, and now we need to get an SR22 to get his license back but I have no idea what an SR22 is. What is it and how do we get one?

Mrytle

Buena Park, CA

An SR 22 is a form is proof that an individual carries auto insurance and is has liability coverage. This means that in case you get involved in a car accident, you can show that you have financial responsibility by having your insurance coverage. Typically, although it varies from what state you happen to be in, one would need to get an SR 22 for incidences associated with DUI or DWI (Driving Under the Influence of alcohol), Serous traffic violations, At-fault accidents where you were not able to show you are covered by insurance or, like the case of your husband there in Buena Park, California, getting repeat traffic offenses or tickets in a relatively short period of time.

You would normally need to maintain an SR 22 for three years after which you are no longer required to carry one. It is a must to carry auto insurance throughout the SR 22 period. You or your car insurance provider can fill out the necessary form from your state’s DMV or Department of Motor Vehicles but it will be the insurance company who will submit the paper works to show proof that you are covered under their auto insurance policy. Filing fee, if there is any, for an SR 22 differs per state. The best way for you to know how to file an SR 22 properly will be to get in touch with your insurance agent or company and ask about the specifics or details on filing an SR 22 in your state.

Tags: auto insurance, DMV, SR22 insurance

Reader’s Question:

I live in Cheyenne, Wyoming, how long do I have to file an SR22 insurance?

Kelly

Cheyenne, WY

The WY Department of Transportation (DOT) provides information on their requirement for the SR-22 insurance by stating that an SR-22 is an insurance form that comes from your insurance carrier and is filed with the state.

According to the Wyoming DOT you may need to start filing your SR-22 insurance before your suspension is over or your registration will be suspended if the SR-22 insurance is not on file. If you have any cars that are registered under your name only that someone else is going to operate, the SR-22 must be on file.

You do not need to file the SR-22 insurance in Cheyenne Wyoming until the end of your suspension if this is not the case. It is best to begin the process at least three weeks before the SR-22 insurance is needed because it can take the insurance carriers 2-3 weeks to file the SR-22 insurance. If the SR-22 insurance is not on file by the end of your mandatory suspension, you will stay suspended until the SR-22 insurance is on file.

If you do not own a car then if you will be driving car for work, you can check if your employer’s insurance carrier will file an SR-22 insurance for you. If not, you can obtain a non-owner’s insurance policy that would cover you for whatever car you operate.

Tags: auto insurance, sr22 insurance

Reader’s Question:

I live in Cranston Rhode Island and I would like to know how long are you required to carry an SR-22 insurance here?

Tom

Cranston, RI

The SR22 insurance filing requirement period differs in Cranston RI because it is set by the court when you are convicted of certain violations.

Typically, the amount of time one will be required to carry a SR-22 filing is 3 years but in Rhode Island since the court sets the time period it may be the standard three years or a different period of time. To know exactly the length of time the court determined for you in your specific case you should be able to contact the Rhode Island Department of Motor Vehicles or read over your court papers to check if they say how long a financial responsibility certificate must be filed.

If you find out that the time period to carry your SR-22 is up and the state of RI is no longer requiring you to maintain it then the Department of Motor Vehicle or Rhode Island insurance regulator should be able to advise you what steps you have to take so that you can take off the SR22 certificate / form from your car insurance policy. An insurance carrier will usually want proof that the SR22 can be cancelled and will no longer have to be filed on your behalf to the state.

Tags: auto insurance, sr22 insurance

Reader’s Question:

I only have liability insurance on my vehicle in Frederick, MD. My son was driving it today and the engine got caught on fire and the vehicle was totaled more or less. He has an SR22 on file, and he told me that his SR22 insures him for any individual’s vehicle he may be driving at the time of an accident. Is it true? Will his SR22 insurance cover damages to my vehicle because he was the driver?

Michelle

Frederick, MD

The SR22 insurance policy gives liability coverage only. The SR22 would not cover any physical damage to your car. Moreover, since he was driving your vehicle, your car insurance policy would be primary and that too provides only liability coverage.

The SR22 insurance policy that he has provides additional liability coverage for him while driving any non-owned car and also satisfies the state’s financial responsibility requirements.

Here, you can get car insurance quote for your new car in Frederick, MD including physical damage coverage. Just type in your zip code and follow the pages. There no longer need to leave your home or office to buy the car insurance.

Tags: auto insurance, sr22 insurance

Reader’s Question:

I’m still financing my car in Lincoln, NE, am I required to carry comprehensive and collision insurance?

Adam

Lincoln, Nebraska

Under Nebraska law it requires all registered motor vehicles to maintain proof of financial responsibility or commonly called as car insurance. Nebraska Revised Statute 60-346 defines proof of financial responsibility or car insurance stating that it means evidence of ability to respond in damages for liability, during accidents occurring subsequent to the effective date of such proof, arising out of the ownership, maintenance, or use of a motor vehicle, (1) in the amount of twenty-five thousand dollars ($25,000) because of bodily injury to or death of one person in any one accident, (2) subject to such limit for one person, in the amount of fifty thousand dollars ($50,000) because of bodily injury to or death of two or more persons in any one accident, and (3) in the amount of twenty-five thousand dollars ($25,000) because of injury to or destruction of property of others in any one accident.

This means that the state of Nebraska requires you to carry these liability covers on your car. It is not a state law that requires you to keep physical damage coverages of collision and comprehensive on a financed car but instead it typically is the claim holder that mandates these coverages be placed and maintained on the car in Lincoln, NE. In your finance documents usually there is a description on the types of insurance that must be covered and maintained on the car until it is paid off and you become the title holder of the car without a lien holder on it. The leasing or loan company wants their vehicle to be properly covered with these physical damage coverages. If you opt to not place these types of car insurances that your financing company requires, then they can place “forced” insurance on it or may even be able to take the car back.

Tags: auto insurance

Reader’s Question:

A friend of mine wants to borrow my vehicle. He has a valid driver’s license and is over 22 years old but he does not have his own car insurance policy. What will happen if there is an accident and how is that handled by my insurance provider in Dallas TX?

Jean

Dallas TX

Normally car insurance follows a vehicle first and driver second. So even if your friend did have his own auto insurance but used your car and was in an accident your car insurance would be primary and his insurance would be secondary if your liability limits were exceeded.

If your auto insurance policy would cover your friend then your coverages would affect just as if you were the driver if he was in an accident. If your friend was at-fault in the accident then the accident itself, and any traffic violations he may be ticketed for, would go on his driving history but the auto insurance claims for damages would go through your car insurance policy. Therefore a friend having an accident in your vehicle would appear on your car insurance claims history and may affect your future car insurance premiums in Dallas, TX.

Tags: auto insurance claims

Reader’s Question:

I’m looking for auto insurance in Dundalk Maryland; what would is the advantage of purchasing my auto insurance policy in Dundalk Maryland online?

Tyrone

Dundalk, MD

You can save time looking for the right insurance policy online since all you have to do is to fill up the online forms available in the insurance company’s websites and ask them to give you a quote.

Within just a few minutes after completing an insurance quote form, you should be able to receive a quote. This is how fast it works in this modern age and time. Receiving more than one quote is possible; therefore you’ll be able to compare car insurance quotes from different companies in Dundalk Maryland. In the end, deciding on the best car insurance policy for you is made much easier.

Online car insurance quotes are free so you don’t need to worry about paying more for multiple car insurance quotes. You can request for as many quotes as you want, without having to spend a cent. Note that you are required to accept any insurance quote that is provided to you.

Purchasing your auto insurance policy online is very convenient since you don’t need to leave the comforts of your home or office so long as you have internet access. When it comes to the safety of information you chose to provide, don’t be afraid. Most websites nowadays use encryption technology to keep all information secure.

You also don’t need to be afraid of your information being released to anyone other than the insurance company, unless you agree to it being released to other insurance providers. There’s no reason to worry about any of these free online auto insurance quotes having any effect on your credit score.

Reader’s Question:

I’m looking for a cheap scooter insurance in Cheektowaga New York and I don’t know what type of insurance do I exactly need?

Miller

Cheektowaga, NY

When looking for scooter insurance, it’s important that you know exactly what type of insurance you need. There are many scooter insurance companies that offer different coverages. You need to get as many auto insurance quotes as possible so that you can compare prices from different auto insurance companies and make a decision based on what you think would best suit your auto insurance needs.

It is just as important to be covered with insurance as it is with other types of vehicles. The coverage should not be intended for the scooter you’re driving but also in cases of accident and someone in the other vehicle gets injured. If you do not have insurance to cover the other passengers of your vehicle, you can actually get sued. You do not want to be in that situation especially it can become very costly.

Remember that you always want to find the lowest scooter insurance that is available in Cheektowaga New York without sacrificing coverage. The best thing for you to do this is to compare quotes that you get online and once you have your best quotes, narrow down your options. Discuss any questions you have with an auto insurance agent to have a better understanding of the coverages included.

Tags: auto insurance, cheap auto insurance

Reader’s Question:

Am I eligible to receive a discount for having no claims to my car insurance company in Berkeley, California?

Scott

Berkeley, CA

If you haven’t made a claim before or you have driven a long time without a claim, car insurance companies will see you as someone who is less likely to make claim in the future. You will be rewarded for not making a claim and being a person who is increasingly less likely to make a claim. With a reduction in the cost of your car insurance cover, you will be eligible for a “no claims bonus” or “no claim discount”. Your “no claims” discount is a percentage of the calculated premium and can be built up year by year. Each year you will be rewarded for having no claim.
Every car insurance company has its own calculation for the exact discount on premium or ‘bonus’ that can be provided. There is a fairly typical no claim bonus schedule that gives an indication of the amount of discount you could expect to receive. A no claims bonus is applied at the start of a policy and it varies from one insurer to another. But typically, it will be between 60-75% over five years and is applied as a discount on car insurance premium. There are auto insurance companies that offer no claims bonus beyond 6 years of claims free policy years.

For more details on your current car insurance company’s particular regarding no claims discount scheme, contact your Berkeley, CA agent or insurance company.

Tags: auto insurance, Car insurance discounts