Getting SR22 Insurance Due to Drunk Driving
Reader’s Question:
My boyfriend needs to get SR22 Hawaii because he’s been cited for DUI. I’m not so familiar with this SR22 insurance. Can you tell me more about this?
Lisa
Koolaupoko, HI
Sure Lisa!
Not everyone is required to get SR22 insurance. But usually those drivers who had been cited for DUI or DWI offense must get SR22 insurance to reinstate their license. This may also be called as high risk vehicle insurance since in general, drivers who were involved drunk driving activities are required to have SR22 Hawaii insurance.
Once your boyfriend gets his SR22 insurance from a certain vehicle insurance company, his insurer will file it to Hawaii Department of Motor Vehicles (DMV). This provides guarantee to your home state’s DMV that your boyfriend is meeting the vehicle insurance requirements in the state of Hawaii.
For your boyfriend’s SR22 insurance needs, it’s only normal that he would be charged for higher rates. Normally, SR22 insurance rates are higher as opposed to his vehicle insurance rates before his license is suspended – it may double.
You may be wondering how long your boyfriend needs to maintain SR22 Hawaii insurance. You don’t have to worry because you are not required to maintain it for life. Depending on the severity of your offense, usually it would be for three years.
To help your boyfriend find cheap SR22 insurance quotes, then you must be using the Internet frequently and get as much as SR22 insurance quotes that you can get. From there, you may find the best SR22 deal that suits your budget.
SR22 Alabama – What You Need To Know
Reader’s Question:
I knew someone who has been cited for a DUI offense. From what I heard he needs to get SR22 Alabama. Can you tell me more about this SR22?
Ricky
Montgomery, AL
I’m sorry to hear that Ricky. I hope your friend is doing ok.
Before I tell you what an SR22 Alabama is all about, let me just give you a little background about vehicle insurance law in Alabama because this is related to SR22.
As you know Ricky, it is illegal to operate a motor vehicle without getting vehicle insurance coverage. In general, one cannot register a certain vehicle unless vehicle insurance is purchased for that vehicle. And that rule does not exempt residents of Alabama. To be exact, in your home state, one cannot operate motorcycles, mopeds or even golf carts without liability insurance coverage on those vehicles. Thus, everyone else is expected to purchase vehicle insurance as long as they are operating a vehicle on the streets of Alabama, since this is required by the Alabama state law.
The state of Alabama follows 20/40/10 system for its minimum auto insurance requirements whereas:
- $20,000 for bodily injury for every person in a single accident
- $40,000 for two or more people in a single accident
- $10,000 for property damage in a single accident
If you’ve been in an accident that resulted harm to another party’s body or property, then expect that a police officer will ask you to present proof of an active vehicle insurance coverage on the vehicle you are operating. This can be done by showing your vehicle insurance card. If your vehicle insurance policy is inactive, then the Alabama Department of Motor Vehicles (DMV) will suspend your operator’s privileges.
In addition, you may also be asked to show proof of meeting the financial responsibility laws in Alabama by getting SR22 Alabama. Usually, you will be obliged to do this if you’ve mount up too many road violations on your records, with a DUI or DWI conviction, or operating your vehicle without vehicle insurance.
The SR22 insurance is also known as high risk auto insurance. This guarantees that you or a particular driver, who needs SR22, will maintain the required auto insurance in the state of Alabama. Depending on the severity of one’s traffic violation, the requirement of keeping SR22 insurance in Alabama varies. However, for most cases it for a period of three to five years.
If you need SR22 Alabama, the Internet offers lot choices to choose from. For more information about SR22 insurance check with your vehicle insurance agent.
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