My best friend needs California SR22. It’s her first time to get that. What should I know about that? Where can we get it?

Betty

Sacramento, CA

Hi Betty! You may be wondering why your best friend needs to get California SR22 insurance while you don’t. That’s because SR22 insurance is needed for a suspension to be removed. I’m guessing your best friend’s license has been suspended by the California Department of Motor Vehicle (DMV), if that’s the case then she needs to get SR22 insurance so her license will be reinstated.

This SR22 insurance serves as a guarantee to the CA DMV that your best friend has an active California auto insurance. If your best friend’s California SR22 insurance has lapsed, her license will again be suspended.

Usually, drivers who are involved in drunk driving violations, or has too many moving violations, uninsured accidents or have violated the DMV rules are the ones who are required to get SR22 insurance.

If you are wondering how long your best friend needs to keep her SR22 insurance, that would be 3 years minimum. Which means it may even be longer, depending on her case.

SR22 insurance can be pretty expensive. But it would help your best friend to find affordable SR22 insurance rates if she’ll do comparison shopping for her SR22 insurance needs through the Internet. You can help your friend with that. In fact, you can start doing your comparative shopping right now. Wishing you good luck!

I’m looking for information about SR22 Alabama. I knew someone who needs it. Can you give some information about this SR22?

David

Huntsville, AL

Hi David!

I hope you’re not the one who needs SR22 Alabama, because if you are then I guess you in some kind of trouble.

So as to your question, what SR22 insurance in Alabama is, it is high risk car insurance. The purpose of SR22 Alabama is to make sure that a specific individual is able to meet the mandatory auto insurance law in the state of Alabama. Maintaining SR22 insurance is usually for three years to five years. However, that still depends on how serious your violation is.

By now I’m sure you know that it is a law in Alabama that a driver cannot legally operate his or her car without car insurance. In Alabama, the one must purchase car insurance coverage for bodily injury liability coverage with the following limits:

• $20,000 for each person for each accident
• $40,000 for two or more people for each accident
• $10,000 for damage incurred on property for each accident

If you caused an accident that resulted to damage on property or hurt other people, it is only expected that a law enforcement officer will ask for a proof of car insurance from you. And as a driver, you can show such proof by providing car insurance card given to you by your own car insurance company. If your car insurance coverage is no longer active, the Alabama Department of Motor Vehicles (DMV) will suspend your driving privileges.

Additionally, you may be required to carry SR22 Alabama for any the following reasons: if you are driving along Alabama roads uninsured, that means no car insurance, if you are driving impaired like driving under the influence of alcohol or drugs (like driving under the influence or driving while intoxicated), and if you have accumulated numerous traffic violations on your driving records.

If you’re looking for SR22 insurance quotes, you may check the Web to get great SR22 deal.

I’ve been browsing the internet and found that there’s this SR22 insurance online in California. What is this all about?

Quark

Fresno, CA

Hi Quark! SR22 insurance online in California is simply an online quote for SR22 insurance available in the state of California.

To avoid any confusion, it’s better to define what SR22 insurance is.

An SR22 insurance is a certificate of insurance. This is filed by a licensed car insurance company in California and submitted to the California Department of Motor Vehicles. This certificate of insurance serves as a proof to the CA DMV that a particular driver has auto insurance policy that meets what is required by the state of law.

Not everybody is required to get SR22 insurance in California. In most cases, those who need this have a license that is either revoked or suspended. And in order to have those licenses reinstated, they need to get an SR22 insurance.

Usually, a person’s driving license will be revoked or suspended and that person will be required by the law to get SR22 insurance if: convicted of DUI or DWI offense, involved in an at-fault accident or is caught driving without car insurance, reckless driving activity, or accumulations of several traffic violations.

Now you might be wondering why SR22 insurance needs to be filed to the CA DMV. The reason is simple, as a rule, the CA DMV does not keep a database of a driver’s auto insurance policy. Thus, once a person is engaged in a serious traffic offense, the California law will mandate that said driver provide proof of auto insurance to the DMV through SR22 insurance.

If you need to get SR22 insurance online in California, you may want to try checking this site out. From what I know, it’s also available on this site.

My boyfriend was convicted of DUI last year. Because of that, he is required to carry SR22 insurance Virginia. How long does he need to keep his SR22 insurance? And also, I’m just curious how long will his conviction of DUI stay on his driving records?

Tanya

Virginia Beach, VA

The SR22 insurance Virginia is required if a person:

• Has a driver’s license that is suspended because of a serious conviction
• Has a vehicle that was not insured before
• Has received an unsatisfied judgment

It appears to me that your boyfriend is required to carry SR22 insurance Virginia because of his driving under the influence (DUI) conviction which is considered a major offense. If that is the case, then your boyfriend needs to keep his SR22 insurance for a period of three years from the effectivity date of his suspension. Since it was only last year that your boyfriend was convicted of DUI then he still needs to keep his SR22 insurance for two more years. Just to make sure about that, you can check with the Virginia Department of Motor Vehicles (DMV).

Meanwhile, as to your question on how long his conviction of DUI will stay on his driving records, from what I know it will be for a period of 11 years. Serious conviction like drinking under the influence of drugs or alcohol and drinking while intoxicated (DWI) are maintained on a person’s driving records for that specific period of 11 years. But just to make sure, please do check with the VA DMV.

My friend is convicted of some serious traffic violation. He’s required to purchase SR22 insurance for that. I am trying to help him get one. Can you help me find the best SR22 insurance for my friend? Your help will be greatly appreciated. Thanks so much in advance!

Tim

El Paso, TX

Purchasing SR22 insurance is required if a person is involved in a traffic violation that usually involved accidents or if a person is found to be driving without auto insurance coverage. In addition, conviction of drinking under the influence (DUI) or driving while intoxicated (DWI) also requires this kind of insurance.

The SR22 insurance is a form provided by auto insurance company that proves that a person has an existing auto insurance coverage that meets what is required by the Texas law. In the state of Texas, the minimum required limits are 20/40/15.

To get the best SR22 insurance, I would suggest you check with different websites that offer auto insurance coverage in your area. There are several websites that offer a complimentary filing of the best SR22 insurance if your purchase your auto insurance from them.

• Usually SR22 insurance can be filed in three ways:
  Your insurance company will file it in your behalf to the state capital;
• You may opt to file it yourself at the local driver’s license office;
• Or have you attorney filed it for you, wherein your auto insurance company will give the SR22 insurance form to your lawyer.

For more information about getting the best SR22 insurance, you can also check with your car insurance agent.

I have a son who was recently involved in a car accident. The damage seemed to be minor because no one is involved and no one got hurt. What happened is that while he was trying to park his car, he accidentally hit a light pole. Now, what worries me is that even if he has auto insurance (liability insurance to be exact), will his car insurance company cover for the damage on the light pole or do we have to pay for the damage from our personal pockets?

Georgina

San Francisco, CA

I’m sorry to hear that. I hope everything’s well with your son.

Going back to your question, since you’ve mentioned that your son has liability coverage, to give you a better explanation regarding your question let me first define what liability coverage is all about.

Property Damage Liability provides coverage for policyholders in an event that he or she damages another party’s property. In your son’s case it was it was a light pole that was hit and was damaged. So given this scenario, your son’s car insurance policy will provide coverage for the damage that your son had incurred on the light pole.

However, I just wanna remind you Georgina that damage on your son’s car will not be covered by the mentioned coverage but instead he would need another coverage and that is collision coverage. To make sure he has collision coverage, it’s best to ask his car insurance agent in California.

I heard that I can purchase auto insurance through online. And my friends also suggest that before I purchase one, it would be best if I check on the auto insurance quotes first though online resources like websites so I could compare prices. My question is, I have a friend who is required to carry SR-22 auto insurance. Since anyone could check on available auto insurance rates through websites, can he also get SR-22 form by downloading it from the internet?

Adonis

San Francisco, CA

This is quite a difficult question. Because, honestly until now I am not aware of any downloadable forms from the internet for SR-22.

Let me first do some explanation about SR-22. The SR-22 certificate is a form issued by your car insurance company. This serves as a proof of evidence to California Department of Motor Vehicles (DMV) that you have indeed auto insurance policy and that your policy meets what is required by California state law.

Not everyone is required to purchase this. Only those drivers who are suspended for driving while intoxicated (DUI), have numerous moving violations within a period of one year; driving without car insurance to name a few reasons are the one who are required to purchase SR-22 certificate.

For better understanding about SR-22 form, please do ask your car insurance agent in California.

I have a car that I am driving for the last five years. I am planning to sell it however my problem is that it doesn’t have auto insurance for the last five years. What are the possible penalties that I may be facing if I am caught driving without car insurance? I am from Virginia by the way.

Randy

Newport News, VA

For a person to get license plates in the state of Virginia, he or she must provide certification that the vehicle is covered by auto insurance or he or she has paid the fee for Uninsured Motor Vehicle (UMV).

Failing to meet those requirements would mean having your driving license suspended and even your vehicle registration being suspended too. And to have those reinstated, you will be required to get financial responsibility insurance certificate or SR – 22, which you have to maintain for a period of three years. And also, you must pay a reinstatement fee. With all the hassles you would go through for driving without car insurance, I don’t recommend driving without auto insurance at all to anyone.

It doesn’t matter whether you will be selling your car or not. What matter is that you are breaking the law by driving without car insurance. I would say it’s best that you purchase auto insurance now to avoid any inconvenience on your part. You could check several websites to get auto insurance quotes in Virginia or seek help from a car insurance agent.

I have the minimum state required limits for auto insurance in North Carolina. My question is, if I am involved in a vehicular accident wherein I am at-fault, who will be responsible for my medical payments? Will it be me? Will my auto insurance policy pay for that?

George

Cary, NC

When you said that you have the minimum state required limits for your auto insurance I am assuming that you have the following: for bodily injury – $30,000/person and $60,000 for all people involved in the accident; and for property damage – $25,000.

So given that you those coverages, going back to your question, if you get involved in a vehicular accident and you are at fault, your auto insurance coverage will not cover for the medical bills that may be incurred from the accident.

However, if you wanna have auto insurance coverage that will pay for you medical bills then I would suggest you get medical payment coverage. This type of auto insurance coverage does only cover for medical payment but also for funeral expenses. You are covered by this and your family member.

For more information about medical payment coverage, you can consult with your car insurance agent in North Carolina. you can also check the websites if you are shopping for one.

I am using my father’s car in Ohio. The vehicle is insured and I am under my father’s auto insurance policy. Am I allowed to rent a car? Will his auto insurance cover me while I’m driving a rented car?

Jonathan

Lakewood, OH

Yes, you are allowed to rent a car in Ohio even if you have your dad’s car and are under his car insurance policy.

Now regarding your question about being covered by your dad’s auto insurance policy, you need to ask that to your father’s auto insurance agent. Take this as an example. Let’s say your father has collision and comprehensive coverage on his own vehicle. Those coverages may be or may not be extended to the vehicle you will be renting because that depends on the terms and conditions that is under your father’s car insurance policy.

Now, let’s take another scenario, given that your father’s car insurance company covers you while using a rented car, you must remember that your father’s insurer will only cover for the repair of the rented vehicle. You may be asked to pay for the loss of income for the car rental company from your own pockets.

If you are planning to rent a vehicle, don’t do that yet without consulting with your dad’s car insurance agent in Ohio. Be ready to ask all questions you have in mind about your car insurance coverage.

If you carry comprehensive and collision insurance on your own vehicle, your company may or may not extend that coverage to a rental car. However, even if they do cover the rental car, they would only pay for the cost to repair or replace. They would not cover the loss of income to the rental company for which you may be liable. Some companies now offer optional rental car coverage as an endorsement to your personal auto policy, even if you do not carry comprehensive or collision coverage on your policy. You should check with your agent or company to see what coverage you have or is available to you.