Is SR-22 Auto Insurance Required in Alabama?
Reader’s Question:
I am new driver from Alabama. There a lot of things I still don’t know. I heard something about SR-22 auto insurance. What is this? Am I required to have it? And also, what states require SR-22 Certificate? Is it required here in Alabama?
Adolfo
Tuscaloosa, AL
Hello Adolfo!
The SR-22 Certificate is required by the state to prove that a particular individual has auto insurance policy and that his or her policy meets what is required the law.
However, you must remember that not everyone is required to have this. In general, only those drivers who have the following violations are required to maintain SR-22 for usually a period of three years:
- serious moving violations including driving while intoxicated (DWI) and driving under the influence (DUI)
- driving without insurance that resulted to accident where you are determined to be at fault
- several traffic violations within a short period of time
- suspension or revocation of license
As to what states require SR-22, it would be much easier for me to list down the states that does NOT require filing for SR-22 certificate: Delaware (DE), Kentucky (KY), Minnesota (MN), North Carolina (NC), New Mexico (NM), New York (NY), Oklahoma (OK) and Pennsylvania (PA). The rest of states that I have not mentioned do not require SR-22.
If you have more questions about SR-22 certificate in Alabama, it’s best to ask your car insurance agent.
What is the Minimum Auto Insurance Coverage in New York
Reader’s Question:
I heard that the state of New York is a no fault state. Given this, is there something like a limit when it comes to auto insurance coverage? I mean what is the state required minimum limit for auto insurance in New York?
Anne
Niagara Falls, NY
Yes you are correct.
The New York state has a no fault system. This means that if you are involved in a vehicular accident, regardless if it’s your fault or the other party’s fault, your own auto insurance company automatically covers for your damage. This claim still depends though on the limits you have on your car insurance.
All states in the US require minimum required limits when it comes to car insurance. Your home state New York follows 25/50/10 coverage. And according to the New York Department of Insurance this means:
- $ 25 to cover for bodily injury/ person
- $ 50,000 for Bodily Injury for all persons
- $10,000 for Property Damage/accident
In addition, there is also a required $ 50,000 mandatory no fault coverage. This is required hence all motorists must have this. And from what I know, in general, motorists carry higher limits that what is required by NY state law.
You can always ask your car insurance agent for more information about car insurance in New York. If you are shopping for auto insurance quotes, use this website to get better deals.
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