I may just opt to buy SR22 auto insurance online because I think it’s much easier but I don’t know if it’s secured. Also, would it be less expensive than getting my coverage through an insurance agent here in Alaska?

Caleb

Anchorage, AK

Getting SR22 auto insurance online could be less expensive than getting your coverage through an auto insurance agent. Auto insurance companies offer more discounts when you purchase your coverage online since their expenses would be less. They don’t have to spend too much money on advertising and brochures since they can market their products online. Because of that, they pass along their savings to their customers, thus you can be offered less expensive auto insurance quote. Also, you don’t have to bother waiting forever for someone to answer your auto insurance questions.

If you go to an auto insurance comparison Website, you can get multiple auto insurance quotes from different reputable auto insurance companies. This way, you have a lot of choices to go over with carefully to find the auto insurance quote that best suits your needs. Just remember not to compromise the price for the auto insurance coverage. When comparing auto insurance quotes online, you can do this in a matter of minutes.

The privacy would be preserved because every auto insurance company has privacy terms that they abide to. The auto insurance quotes being offered come directly from these insurers. Get moving and start saving by comparing auto insurance premiums in Alaska.

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.

Is there such a thing as the cheapest SR22 auto insurance?

Henry

New York, NY

An SR22 insurance is something you didn’t voluntarily buy. I wouldn’t necessarily call something I was forced to purchase ‘cheap.’ But there are car insurance companies out there that can offer you comparatively cheap SR22 insurance. Your car insurance company files this form to the local DMV office in your state, and this usually follows after you’ve committed a serious offense or conviction. This was most likely ordered by a municipal court or by the DMV. Some offenses and a conviction usually lead to a suspension of your driver’s license or car registration; sometimes they even impound your car. In order to get any of that back, filing the form is required. How much you might have to pay may depend on how bad your offense was.

The lighter types can probably get you relatively cheap SR22 auto  insurance. If you happen to be arrested for drunk driving, that will automatically put you in the high risk category of drivers and you can kiss any likelihood of getting cheap SR22 insurance goodbye. Some companies, however, are better at offering this kind of insurance than others. So having one that specializes on it as your provider may also give you a chance to obtain reasonably cheap SR22 insurance.

My friend is convicted with DUI. As much as I wanna help her, she would not tell me everything about her conviction. She just told me that she needs DUI SR22 insurance because of her conviction. Can you give me some information about this? I’m totally clueless and I just wanna help my friend. Which carrier will have the cheapest?

Rena

Denver, CO

I’m sorry to hear what happened to your friend. But just to be honest Rena, not to dampen your spirits, but being convicted of driving under the influence (DUI) is something you don’t wanna happen to you. For one, a DUI conviction automatically makes your friend a high risk driver. And auto insurance companies charge higher car insurance premiums with people with DUI conviction.

As to your question on what is DUI SR22 insurance, this includes two important terms – DUI and SR22. Let’s first define what an SR22 is.

An SR22 is an insurance form that your car insurance company needs to submit to your state’s Department of Motor Vehicles to have your license reinstated. This insurance forms provides proof of an existing car insurance coverage that meets the required auto insurance in your state. Meanwhile, DUI insurance is simply car insurance that is specifically designed for people with DUI conviction.

I think the reason why your friend told you that she needs DUI SR22 insurance is because she needs to get SR22 insurance for her DUI conviction. Since she is convicted of DUI, she needs a special documentation in the form of SR22 insurance to make sure she has an active and existing car insurance coverage. So what you can do for your friend is to look for SR22 insurance quotes by using the websites. From there you may be able to find the best car insurance company that can offer you the DUI SR22 insurance for your friend.

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.

I have auto insurance policy on all of my vehicles. What worries me is the economic stability of the companies we have specifically the car insurance companies. What happens if my auto insurance company filed for insolvency? Will I still be covered or not? I am from Northwest Clackamas, Oregon.

Jefferson

Northwest Clackamas, OR

Interesting question Jefferson! But I am really hoping your auto insurance company will not be insolvent.

To answer your question, I’ve done some research. According to the Oregon Insurance Department, in an event that a car insurance company declared insolvency (or bankruptcy) you really don’t have to worry because you are protected. The fund that gives protection to Oregonians who purchased auto insurance in the state of Oregon is the Oregon Insurance Guaranty Association (OIGA). Said guaranty funds will pay for the covered claims. Limits for the coverage is up to $300,000. However, not all claims would be paid. Said funds would only pay claims that are likely to be paid by the insolvent car insurance company.

Also, you must make remember this only covers residents of Oregon who purchased auto insurance from state-licensed insurers.

For more information about car insurance insolvency, you can ask the Oregon Department of Insurance.

I got citations both for driving with a broken tail light and for drinking under the influence (DUI) of 0.87. In was using my father’s car then and I am under his auto insurance policy. Will this greatly affect his car insurance premium in Northeast Cobb, Georgia?

Adrian

A person who is 21 years or older is considered as driving under the influence if 0.08 gm or more alcohol content is present in his/her blood, that is according to the Georgia driver’s manual. On the other hand, for a driver under 21 years old, alcohol weight of 0.02 gm or higher is considered as dui.

This is considered a very serious violation this penalties for this kind of violation is quite harsh. Penalties include: fines that may go up to $1,000, imprisonment for 1 year, and suspension of driver’s license.

Going back to your question, getting a citation for a broken tail light is considered a minor offense, so I would not worry about that too much. However, being cited for dui is considered a serious offense. This alone, has a big impact on your dad’s car insurance rate. With this, I would expect an increase on your dad’s car insurance rate. Because being convicted of dui will make a driver high risk to be insured. Thus, auto insurance companies set higher car insurance premium with people convicted of dui.

To exactly know how greatly this will affect your dad’s auto insurance rate, I would say you ask his/her car insurance agent in Northeast Cobb, GA.

I was involved in a vehicular accident while driving in Florida. I was the at-fault party and I caused injuries to the other people involved. I know I am required to carry SR-22 Am I also required by law to pay for the damages I’ve caused to the involved party for me to be able to reinstate my license in Gainesville, Florida?

Dianne

If a vehicular accident happened on the streets of Florida that resulted to bodily and property damages, your home state’s Highway Safety and Motor Vehicle (HSMV) will ask the owner or the operator of the car to provide proof of full liability insurance coverage at the time of the accident.

The requirement for the full liability car insurance coverage should include and meet the minimum requirements of: bodily injury liability policy ($10,000/ person and, $20,000/ crash and $10,000 property damage liability/crash,) and personal injury protection/pip ($10,000/ person/ crash)

If no proof of auto insurance is provided, then he or she will be asked to purchase and maintain SR-22 form for a period of 3 years. In addition to that, the at-fault party must also secure release from their victims, to prove that they were compensated for the damages they have incurred from the said accident.

So to answer your question, aside from keeping SR-22 form, yes you are also required to pay for the damages of the other party.

For more information on how you can reinstate your license , you may check with the Florida HSMV.