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

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