I don’t know what SR22 insurance here in Illinois mean so I would really appreciate if you enlighten me on that part. I heard as well that it’s an expensive car insurance policy, could you explain why?

Lorraine

Naperville, IL

SR22 Illinois may be an alien term to you, but if you have a tendency of violating traffic rules then chances are you will have to know what this is. SR22 car insurance is a certificate issued by a car insurance agency to high risk drivers who have been charged with traffic misdemeanor. The cases may range from DUI to driving without the necessary car insurance coverage to reckless driving. It is true that SR22 insurance is an expensive car insurance policy as compared to other types of car insurance policy so be careful every time you drive.

To get SR22 Illinois, you need to contact a specialized SR22 car insurance company. This type of car insurer is usually more reliable in giving less expensive SR22 car insurance policies. You should also remember that not all car insurers give SR22 insurance, so it would be best to go directly to an SR22 insurance company. Another important reminder is that you won’t have to settle with the first SR22 insurance quote that you get. You need to compare several SR22 car insurance quotes that you obtain from multiple SR22 car insurance companies. Doing this means that you did all that you can to find the best SR22 car insurance coverage that is right for your budget.

In Minnesota, what is the maximum auto liability insurance?

Ed

Minneapolis, Minnesota

Typically, a state demands that a person carry certain minimum liability insurance. In Minnesota, each registered vehicle is required to maintain minimum auto insurance for each of the following coverage:

Liability insurance should cover $30,000 for injuring one person, $60,000 for injuring two or more persons, and $10,000 for injuring the driver of the other vehicle or for property damage.

Personal Injury Protection should cover $40,000 per person (50% for medical expenses, 50% for expenses that are not medical in nature such as payment for replacement services and lost wages).

Uninsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.

Underinsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.

The state’s Department of Commerce states that if the vehicle is not yet fully paid, the lien holder must require you to have a comprehensive and collision coverage. If you don’t carry this coverage, the lien holder may pursue a “forced insurance” wherein he will carry the coverage and just charge you for it. This may be too expensive for you as it may carry the comprehensive and collision coverage that is above the state’s minimum requirement.

Therefore, there really is no maximum amount for liability insurance. It is only up to you and the lien holder to determine what other coverage you need to keep on top of what the state is requiring.

If I have a car in Arcadia, California that has been off the road for more than a year now because it is in the process of being repaired. My question is, do I still need to register and insure it?

Julian

Arcadia, CA

You need to contact your local Department of Motor Vehicles in Arcadia, California to verify if you need to keep this car registered and insured.

In California they have more strict guidelines for inoperable vehicles. California law requires cars to be currently registered if they are driven, stored, towed, parked on public highways or roads or parked in an off-street public parking facility at any time during the period of registration.

If you have an inoperable car in California , you can apply for non-operational status on the car and pay a planned non-operation (PNO) fee. Once this status is placed on a vehicle’s record, it stays until you decide to drive the car and pay full registration renewal fees.

My 22 year old son is giving a vehicle titled in his name to his sister. Do I have to title the vehicle in another name to take out insurance so my other son can drive? We live Cedar Rapids, Iowa.

Sarah

Cedar Rapids, IA

It is likely that you will need to have your 22 year old son sign the title of his vehicle over to you or your other son if he is handing over the ownership of the car. This will permit you or your son to be the owner of the vehicle and thus can register and insure it.

If the son that is receiving the vehicle is a minor, under 18, you will likely need to also sign paperwork with him since documents such as an auto insurance policy is a legal contract and generally minors are generally not allowed to enter into a binding legal contract without a parental or legal guardian signature as well.

If a person is in jail and he own a vehicle, how will he insure it? He wont be out anytime soon. If he doesnt carry car insurance then his tag won’t get renewed. But he doesnt drive it. How should he go about doing this?

Paul

Los Angeles, CA

Most states would require that one should maintain insurance on the car if it is currently registered. It is possible that if he is not driving the car that he may not have to insure it. He could cancel the registration and return the tag. He can still insure the car if you wish to do so. He could buy an auto insurance policy like he ordinarily would. He could use the street address where the vehicle is being kept and you could continue to be the named insured. He can easily and quickly get a car insurance quote and purchase his policy online.