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 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