What is SR22 Insurance in Alaska
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.
What Does No Fault State Auto Insurance Means in Kentucky?
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.
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