Do I Need To Get SR22 Insurance For Reckless Driving
Reader’s Question:
Will I be required to get an SR22 insurance if I get cited for careless/reckless driving in Louisiana?
Mae
Baton Rouge, LA
In Louisiana, you dont necessarily need to get an SR22 insurance for getting a ticket for careless operation.
According to Louisiana Revised Statutes (RS), if you plead guilty for careless operation, your license will be suspended and an Sr22 may be required to have your license reinstated.
In Louisiana, you will be mandated to get an SR22 to show proof of liability insurance for different reason. One reason may include license suspension due to DUI/DWI or operating a vehicle without car insurance. SR22 may also be required to be maintained due to refusal to submit to chemical test for blood, urine or breath if requested by a law enforcement officer. In Louisiana, generally you will be required to carry an SR22 for a period of three years. In some situations, you may also be required to carry an SR22 for three years to have your license reinstated.
If you have received a careless operation ticket, you may contact the Louisiana Office of Motor Vehicles so you can ask them if you are required to carry an SR22 insurance.
If you will be required to carry an SR22 insurance, you can get a quote first from the online form above so you can compare and review different car insurance quote from the top rated car insurance companies. This way, you are secured that you are getting the best deal in the market.
Cheap DUI SR22 Insurance
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High Risk Driver SR22 Car Insurance Coverage
Reader’s Question:
I am required to obtain SR22 insurance. Do I get it with my current car insurance company or should I find another company to file the SR22?
Gene
Atlanta GA
In case your present insurer can file the SR-22 form for you, after making sure you’ve a minimum of the types of insurance and limits that the state is mandating of you, then it will typically be simpler for you to maintain a similar insurance provider as you currently have.
If instead your present insurer will not file the SR-22 for you then you will have to look for a different car insurance company which does handle “high risk car insurance” and will submit the SR22 certificate to the appropriate state agency for you.
Your current insurance plan may be unable to be kept if your present insurer doesn’t file SR-22 forms for policyholders. If they don’t work with SR22s then you will have to get insurance coverage with an insurer that does SR22 filing and then terminate your present insurance plan once another car insurance is in place.
Do I Have to Add Teen Driver to My Auto Insurance Policy
Reader’s Question:
My boyfriend has a teen cousin who lives with him in Mount Vernon, New York. His cousin sometimes borrows his car. Given this situation that his teen cousin only uses my boyfriend’s car occasionally, is there a need to add him under my boyfriend’s auto insurance policy? Because I heard that is isn’t necessary at all.
Ruth
Mount Vernon, NY
In general, auto insurance companies require their policyholders to inform them if there are any licensed drivers living with them. Typically, if a policyholder has a teen daughter or son living with him/her, then he or she needs to inform his/her auto insurance company. Because if not, insurers would call it as a misrepresentation on the part of the policyholder concerning the number of licensed drivers at his/her residence.
The New York State Insurance Department stated that car insurance companies are allowed to take into consideration all the resident operators in rating a person’s auto insurance rate. Hence, insurers usually ask for all possible users of an insured vehicle – whether they use it frequently or not. As to your question, in my own opinion it would be best if your boyfriend would add his teen cousin under his car insurance policy just to make sure that he would be covered in an event of a car accident. However, I would suggest asking your boyfriend’s car insurance agent in Mount Vernon, New York for the best action to be taken about your question.
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