Reader’s Question:

I just bought a new vehicle, and I did not turn in my old vehicle. I have auto insurance on the old vehicle, am I insured on the new car? How much time do I have before I need to buy the insurance on the new car in Boise, Idaho? My insurance broker is out of the country and won’t be back for another ten days. I do not want to drive my new vehicle, unless I know it is insured.

Helen

Boise, ID

Coverage for an additional car varies from state to state and insurance carrier to insurance carrier. Your state may or may not provide a grace period for coverage. So, I cannot guarantee you are insured to operate your newly acquired car. The only way to know for sure is to contact your state’s Department of Financial Services (or Department of Insurance). I suggest that you contact your insurance provider in Boise, Idaho. They will not be able to provide a grace period that is less than your state requires. However, they may provide a grace period that exceeds what your state requires.

Tags: auto insurance, automobile

Reader’s Question:

I only have liability insurance on my vehicle. My son was driving it today and the engine caught on fire and the vehicle was totaled more or less. He has an SR22 insurance in Appleton, Wisconsin, and he told me that his SR22 insures him for any person’s car he may be driving at the time of an accident or loss. Is this true? Will his SR22 cover damages sustained to my vehicle because he was the driver?

Myleen

Appleton, WI

This type of insurance policy provides liability coverage only. It would’nt cover any physical damage to your car. Additionally, since he was driving your vehicle, your insurance policy would be primary and that too provides only liability coverage.

The SR22 policy that he has provides additional liability coverage for him while driving any non-owned car and also satisfies the state’s financial responsibility requirements.

You can get free auto insurance quote for your new car including physical damage coverage. Just put in your zip code and get free instant quote.

Tags: autos, car insurance rate, quotes, sr22 car insurance

Reader’s Question:

I always rent a car and I would like to know what kind of insurance do I need?

Bill

Cedar Rapids, IA

If you usually rent a car, a non-owners SR22 policy might be the best option for you than relying on the insurance sold at rental companies. However collision and comprehensive coverage are not usually available or included for non-owners policies. It looks like you still need to get this from the rental company. Your non-owners auto insurance will cover you when you rent a vehicle and got involved in an accident while driving that motor vehicle. It will give liability coverage protection. If you drive your friend’s vehicle and damaged it, the car owner’s insurance takes precedence over your non-owners coverage. Your policy however, would be activated when the car owner’s liability limits are exhausted.

Reader’s Question:

I just want to know how I can remove SR22?

Markus

Thank you for asking Markus.

It depends upon the state’s procedure regarding removing your SR-22. Generally, if your time period mandated by the state to carry your SR-22 is over you should notify your insurance company so that it can be taken off of your policy.

Before you contact your insurance company to get the SR22 taken off you may want to contact the department of motor vehicles first to make sure, that it is okay to cancel your SR-22 insurance and you are no longer required to carry it. The Department of Motor Vehicle might need to send you documentation which you would need to show to your insurance company so that they would know that it is now okay to remove this financial responsibility certificate/form from your policy.

In most states the insurance provider will need to send the state a SR-26 when you terminate your SR-22 coverage. This is a form showing the cancellation of SR-22 insurance coverage.

Goodluck!

MariCAR

Reader’s Question:

I do not have my own car but they said that I must purchase sr22 car insurance coverage. What is an sr22?

Uma

Thank you for asking Uma.

Most of the time, an SR-22 is required of a drivers after being convicted of moving and traffic violations of the law and especially at the time the driver wants to get their license reinstated.

If the state isn’t requiring you to obtain an SR22, you don’t need to purchase an SR22. Whether you are going to driver or own a car normally does not matter if the state is mandating that you obtain a SR22 as a condition of your license being reinstated. The SR22 is showing that you will have financial responsibility if you do drive.

If you do not own a car and are required to get a SR-22 you should be able to get a non-owner SR-22 policy.

You may contact your states DMV to get more information if you are required to get an sr22 form or certificate.

Goodluck!

MariCAR

Reader’s Question:

I just want to know what are the states that require SR22 insurance certificates?

Tina

Thank you for asking Tina.

An SR-22 is a certificate that shows proof of financial responsibility. An individual is required to obtain an SR-22 if he/she gets caught driving without insurance. This is usually required for a specified amount of time and usually its three years.

This proof of financial certificate is also are associated with the following offenses in many states:

* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses or getting too many tickets in a short time period
* License suspension or revoked license

Requirements in getting an sr22 differ in one state may not apply in another state. Delaware, Oklahoma ,Kentucky, Minnesota, New Mexico and Pennsylvania are the states that do not require SR-22s. However, if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed.

States like New York and North Carolina do not require SR-22 filing.

Goodluck!

MariCAR

Reader’s Question:

What is an sr22 auto insurance form anyway?

Tyron

Thank you for asking Tyron.

The SR22 form is in essence an agreement between the insurance company and the DMV stating that they are providing the required coverage for you. The agreement also means that if for any reason at all they are not providing that coverage for you at any time they have to notify the DMV (usually through another SR form). Once the DMV receives this notice they will usually suspend your driving privileges for not maintaining the required high risk auto insurance coverage required for all drunk driving offenders.

So as you can see the SR22 form is basically the contract between the DMV and the insurance company. You need to work out the deal with the car insurance provider and then they’ll file the SR22 form for you which lets the Department of Motor Vehicle know that they are now responsible for your insurance needs.

Goodluck!

MariCAR

Reader’s Question:

How long does an sr22 certificate for insurance stay active?

Therese

Thank you for asking Therese.

Until your state determines it can be removed or cancelled, your sr22 policy must remain active and on file. You may need to keep your SR-22 active for 36 months or more , or it could be a different time period . It actually depends on what state you are in so its best to check with your state to determine the specifics.

If you’re no longer required to carry your SR-22, you will need to notify your insurance provider to file the paperwork — an SR-26 form — to cancel or terminate it. Your insurance carrier may ask you to provide proof that the SR-22 has indeed been lifted, usually by providing paperwork from the DMV showing that you are no longer required to maintain an sr22 but filing the paperwork should be fairly simple.

Goodluck!

MariCAR

Reader’s Question:

How do I file an SR22 auto insurance certificate online?

Mike

Thank you for asking Mike.

Filing an SR-22 is is as simple as filling out the required form, sending it to the Department of Motor Vehicle within a specified time period. Insurance company will file an SR-22 for you if you notify them that you need one.

An SR-22 has all your personal information and information about your car insurance , including whether you own the insurance policy or are an operator on it. It also includes as well the certification from your insurance company that you have the proper amounts of insurance specified by your state. A properly completed and filed SR-22 will help you remain legal to drive.

If your insurance policy is canceled, terminated or lapse while you’re still required to carry an SR-22, your insurance provider will notify your state. This will invalidate your SR-22 and could cause your driving privileges to be suspended or revoked. As long as your insurance policy remains active, your SR-22 auto insurance certificate should remain valid.

Goodluck!

Maricar

Reader’s Question:

I am required to carry an sr22 insurance certificate after a DUI conviction? What is it and why do I need it?

Ria

Thank you for asking Ria.

SR-22s also are associated with the following:

* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses
* Getting too many tickets in a short time period
* License suspension or revoked license

SR-22 form is being filed by your insurance company with your state’s Department of Motor Vehicles (DMV) to show proof of insurance for you. Once the insurance company file your SR-22, your license suspension will be lifted and you can drive again legally.

SR-22s are state specific — what’s required in one state may not apply in another state.

SR-22 Auto Insurance is different from state to state. You may check with your insurance company or agent to verify the SR-22 specifics for your state.

Goodluck!

MariCAR