A SR22 Insurance

Reader’s Question:

My cousin is convicted with DWI here in Alaska. He is required to keep SR22 insurance for I think 5 years. I don’t know anything about SR22. What is a SR22 insurance? Can you help me?

Audrey

Anchorage, AK

I am sorry to hear that Audrey. I hope everything will be ok with your cousin.

A SR22 insurance is a form given by auto insurance company as a proof that a person has existing auto insurance coverage. Once a convicted person of DWI is required to purchase SR22 insurance, his own auto insurance company needs to provide that proof to the Alaska Division of Motor Vehicles. And if in any given period that your cousin’s auto insurance coverage is cancelled, lapsed, or was terminated his car insurance company is required to notify the AK DMV about it.

In most cases, a SR22 insurance is required to reinstate a person’s driving privileges. If let’s say a violator’s license is revoked or suspended and he is required to provide proof of a SR22 insurance, all he needs to do is to get either a copy of SR22 insurance binder or an application for said binder. In most offenses, SR22 insurance is required for a period of three (3) years from the end date of license revocation.

On the other hand, since you’ve mentioned your cousin is convicted of DWI, he will be required to keep SR22 insurance for a period of five years from the date of conviction. In addition, for second offense it will be for a period of 10 years and 20 years for third offense.
A violation may be required to carry a SR22 insurance for life if he is convicted of DWI for the fourth time and for unsatisfied judgment.

Auto Insurance Coverage Arizona AZ

Reader’s Question:

I have auto insurance in the state of Arizona. I’m planning to go to another place to have my long overdue and much-needed vacation. If I go to another state, let’s say in San Francisco, California or in Reno, Nevada and met a vehicular accident, will I still be covered by my Arizona car insurance? Or I don’t have anything to back me up at all?

Rose

Tempe, AZ

I hope you do enjoy your vacation Rose without any vehicular accidents at all. But just to answer your question, yes your Arizona auto insurance will still cover you in an event that you are involved in a car accident. So that means, something will back you up.

In general, your own car insurance policy will provide you with the basic auto insurance coverage in the state that you are visiting. So in your case, since you will be visiting the states of California and Nevada, whatever are the minimum required limits for auto insurance by those states will be automatically covered by your car insurance policy.

For more information about car insurance policy, you can always ask your car insurance agent in Arizona. Enjoy your vacation and have a safe trip!

Tags: auto insurance, auto insurance coverage, car insurance online

SR-22 Auto Insurance Alabama AL

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.

Tags: auto insurance, car insurance online, SR22 insurance

No Fault Auto Insurance New York NY

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.

Tags: auto insurance, auto insurance coverage, car insurance online

No Fault Auto Insurance Kentucky KY

Reader’s Question:

I heard that Kentucky is a no fault state. What does no fault really mean? Does this mean that when I get involved in an accident no one is going to be determined as the at fault party? Both parties are considered innocent? I’m just confused right now and I hope that someone can help me with my confusion.

Gerry

Lexington-Fayette, KY

Surely Gerry I’d be more than happy to enlighten you. You are correct in some way. But let me just give you a clearer explanation about your question.

The state of Kentucky is a choice no fault. This means that you as a driver have the option to choose whether you’ll go for tort liability or the no fault car insurance method.

Let me define first what the tort liability is. Under this system, restrictions regarding lawsuits are not applicable. Hence, if you get involved in an accident and you are the at fault party then you can be sued by the other party for the pain they incurred from the said accident.

Meanwhile, if you choose the no fault auto insurance, then you must buy personal injury protection. This will provide coverage for the expenses related to injuries and other cost incurred from the accident. Let me emphasize that this coverage would provide support no matter who the at fault party is. Thus, your auto insurance company will automatically provide coverage and pays for you .In exchange for this set up, you are required to give up some of your rights to sue the other party. This works for you too. You may not be sued by the other party also. However, this still depends on the gravity of the accident and the financial matters involved.

If you have additional questions about no fault auto insurance in Kentucky, do not forget to ask your car insurance agent.

Tags: auto insurance, auto insurance coverage, car insurance law, car insurance tips

GAP Insurance Coverage Iowa IA

Reader’s Question:

My boyfriend just recently purchased GAP insurance in Iowa. I am quite confused on what GAP insurance cover. Does this mean that in case of death, GAP insurance will provide coverage? Just to clarify, I’m not wishing that my boyfriend be in that situation. I just wanna make sure that he’s getting the insurance he needs. Thanks!

Minnie

Cedar Rapids, IA

Hi there Minnie. I hope so that your boyfriend will not be involved in any vehicular accidents at all.

Going back to your question, GAP insurance does not normally offer coverage for death. To give you a better understanding what GAP insurance cover, let me give you a scenario.

I’m assuming that your boyfriend is still paying for his car. Let’s say he purchased it by loaning. Then he met a vehicular accident (which I hope he won’t) and as expected there would be damage on his car and it’s declared to be a total loss. Your boyfriend’s auto insurance company declared the current worth of his car for $25,000. Hence, they will provide you that money. However, the original worth of his vehicle is $35,000. So there’s a difference of $10,000 that your boyfriend still owe to the company who loans him the car. That’s where GAP insurance kicks in. It provides coverage for the balance that needed to be paid by your boyfriend to the financial company who loans him his vehicle.

With this scenario, I don’t see how death can be covered from GAP insurance. However, just to make things clearer, I would suggest it’s best to ask your boyfriend’s car insurance agent on the term and conditions of his GAP insurance coverage.

Tags: auto insurance, auto insurance coverage, car insurance online

Uninsured/Underinsured Motorist Coverage Limits Arkansas AR

Reader’s Question:

I have the basic auto insurance coverage that is required in Arkansas. And now, I am planning to make some changes on my car insurance coverage. I am planning to purchase the uninsured/underinsured motorist coverage. I just wanna know, are there any required limits for having this kind of coverage? Or can I just set the limits myself? I am on a fixed income so I’m thinking if getting this kind of policy will hurt my budget. Thanks for the help!

Jonas

North Little Rock, AR

Hi there Jonas! I am on fixed income too and I even have two kids that I send to school. But I still considered the importance of maintaining uninsured/underinsured motorist coverage.

So let’s go back to your question. Yes, there is a state minimum required limit for this kind of coverage. According to Arkansas Insurance Department, the state required limits for bodily injury uninsured motorists coverage are as follows: split limits of $25,000/person, $50,000/accident or single limit that amounts to $50,000.

In addition, you also have the option to add property damage uninsured motorist coverage. The limits can be up to your auto insurance policy liability limits. But since this is optional, you have also the option to also reject this type of car insurance coverage.

For more information about uninsured/underinsured motorist coverage feel free to contact the Arkansas Insurance Department or your auto insurance agent.

Tags: auto insurance, auto insurance coverage, car insurance law

Car Insurance Rate New Jersey NJ

Reader’s Question:

I got a quick question about car insurance rate in New Jersey. My friend received his traffic ticket for not wearing a seat belt. This is the second time he had a violation like that. The last time he was cited was about two years ago. Now my question is this, since this was his second time for being cited for failing to wear seat belt, will his car insurance rate increase?

Lara

Camden, NJ

What I know about seat belt law in the state of New Jersey is that it is considered as a primary offense at present. Before it was only considered as a secondary offense. Now, given the fact that seat belt law is a primary offense and this will surely be under your friend’ s driving record, I think it’s only normal that your friend will see an increase on his car insurance premium in New Jersey after being cited for the said violation for the second time.

However, you have to remember that every car insurance company handles traffic violations in different manners. For some companies, they may take this violation in a negative way and will impose an increase on your friend’s car insurance premium. For others, they may cancel the car insurance discounts that your friend is getting. And for some, they might just let this pass. Meaning to say, they may forgive your friend and will not impose any change on his auto insurance premium.

The best way to know if there will be an increase on his car insurance rate will be to ask your friend’s car insurance agent in NJ. If the increase is too much, then your friend may consider shopping for auto insurance quotes by using the websites.

Tags: auto insurance, car insurance law, car insurance tips

 

Cheap Teen Auto Insurance Ohio OH

Reader’s Question:

I am going to buy my teen daughter her first car this December. It’s going to be my Christmas gift for her. This is the first time that I am gonna add my teen daughter under my car insurance policy and I’m afraid that it’s gonna cost me so much. Can you give me ways on how to lower my auto insurance premium in Ohio? I would appreciate any help you can give. Thank you so much in advance!

Felicity

Toledo, OH

Merry Christmas in advance Felicity! I bet your daughter will like her birthday present.

Going back to your question, let me just give you some tips on how to get cheap auto insurance rate in Ohio.

First, make sure your daughter drives safely. Keeping a clean record is always a good thing to do to avoid a costly auto insurance premium;
Second, get higher deductibles;
Third, if you using an old insured car, drop the comprehensive and collision coverages on that car;
Fourth, ask for discounts;
Fifth, shop, shop, and shop for auto insurance quotes.

If you have additional questions on how to save on your auto insurance premium, you can ask your car insurance agent in Ohio or even the Ohio Department of Insurance.

Tags: auto insurance, car insurance discounts, cheap car insurance, teen car insurance

 

 

Auto Insurance Eligibility Points New Jersey NJ

Reader’s Question:

I heard from a friend that in New Jersey people can purchase auto insurance through two markets (which I don’t quite remember what the name of the markets are). Also, she told that being able to buy auto insurance from standard market depends if you have less than seven insurance eligibility points or not. Can you explain this to me? What are those markets.

Cherrie

Orange City, NJ

Yes your friend is correct Cherrie.

According to New Jersey Department of Banking and Insurance, residents of NJ can buy auto insurance through voluntary market or what is commonly known as regular market and assigned risk market or residual.

Being able to buy through these markets depends on a person’s insurance eligibility points. Let me just make this clear that insurance eligibility points are not the same as the points given to drivers by the New Jersey Motor Vehicle Commission. The insurance eligibility points are points given by car insurance companies to drivers. This depends on the driver’s suspensions, traffic violations, and accidents wherein he/she is deem to be at-fault. In addition, for new drivers (regardless of how old the driver is and the gender) they are automatically given three insurance eligibility points upon purchasing auto insurance. So the higher your insurance eligibility points are means the higher the risk of insuring you.

Once the driver accumulates seven insurance eligibility points, he/she may no longer purchase auto insurance policy through regular market. This is where the assigned risk market kicks in. This is through this market that a driver with seven or more insurance eligibility points could purchase his/her auto insurance policy.

If you have additional question about insurance eligibility points, you can ask your auto insurance agent in NJ or even the NJ Department of Banking and Insurance.

Tags: auto insurance, car insurance online, car insurance tips

 

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