What should be expected if I were caught driving without insurance? Will the state require me to carry SR22 auto insurance for this instance? Thanks!

Millie

Los Angeles, CA

What else? Expect heavy fines for driving without insurance as you would pose as a risk for endangering yourself and common motorists. It is considered as violation of state laws since the state mandates every citizen to carry minimum liability insurance before he/she can drive.

Usually, penalty for driving without insurance vary from state to state. Some impose heavy fines, some not. You could also expect holding and impounding of your vehicle, your vehicle tag seized, and your license suspended. Also, it is definite that the state will require you to carry SR22 auto insurance since you are unable to show them financial responsibility. Usually, they will require you to carry this insurance for a period of not less than three years. It is also needed in order to retain validity of your license.

Worse come to worst if you were caught driving without insurance and have been involved in an accident. You could face jail time and would also be exposing yourself to both legal and financial constraints–the burden of paying damages and injuries out of your own pocket. To avoid the hassle of going through this, it would be wise to get yourself insured.

Hi. I just moved here to Alabama a couple weeks ago. Since I plan to buy a new car, can anyone tell me the amount of car insurance that I need to get? Thanks! BTW I need sr22 coverage since I have a DUI on my driving record.

Brendan

Montgomery, AL

Hello there buddy! That’s a good question to ask. If you want to drive around Alabama legally, I suggest you hook up with an insurance agent and get yourself car insurance coverage for the following amounts: 1) bodily injury liability insurance coverage of $20,000 for each person up to a maximum of $40,000 for every accident and, 2) a property damage liability coverage of $10,000.

Alabama uses the tort system for vehicular accidents, which simply means the party found to be at fault in an accident has to file the claim with his car insurance company and will be liable for any costs due to the accident. Of course, these are just the minimum auto insurance required and you are more than welcome to get coverage for more than these amounts.

Personally, I would suggest that you also shell out some bucks for some personal injury protection and uninsured or underinsured motorist insurance, as well. I’m sure that with extra car insurance coverage like this, you get more peace of mind. The extra cash you shell out will pay off in the event that you do get into an accident.

If you haven’t purchased a car yet, I suggest checking out different vehicles safety ratings. Some cars get cheaper auto insurance than others.

My 18 year old daughter is covered under our car insurance policy in Manchester, New Hampshire. She does not have car insurance on her vehicle. Is she covered if she gets into an accident while driving her own car? She has a DUI on her record, so I guess she still needs SR22 coverage

Vince

Manchester, NH

The state of New Hampshire does not require auto insurance but if you are at fault in an accident and you did not have car insurance coverage, you will be required to obtain one.

I suggest that if you own a car you obtain at least some type of bodily injury coverage and property damage coverage.

Since the car of your 18 year old daughter is not listed on your car insurance policy in Manchester, New Hampshire it is unlikely that your insurance carrier would cover her if she gets involved in an accident while driving her vehicle. You will need to verify with your insurance carrier to know for sure if she is covered in her vehicle.