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:

Is it true that auto insurance follows the car? What if I’m required to carry an sr22 certificate but I do own a vehicle? Is this coverage “non owners” insurance?

Miguel

Thank you for asking Miguel.

Not all insurance follows the car.

Liability coverage doesn’t always follow the car but rather the driver. It can get complicated to know which insurance policy should be used primary, secondary or even tertiary in these situations.

An SR22 is a form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular driver. It is required an individual who got involve in an accident or was convicted of a moving violation and was unable to show financial responsibility. If you do not own a vehicle, you may purchase the non owners sr22.

To pay damages to others (property or bodily injury) you will need a liability insurance. Liability can be caused by a person while they are in a car or even if they borrowed a car from someone else.

Goodluck!

MariCAR