What is an SR22 Auto Insurance?
Reader’s Question:
Is there such a thing as sr22 auto insurance? I am really confused about this.
Jacob
West Covina, CA
No. There is no such thing as sr22 auto insurance.
What there is, however, is an sr22, which is a bond, or document or certificate that is required by the state to check if an individual is maintaining auto insurance liability coverage. Since this is government mandated, individuals in need of a sr22 will be duly informed by the state’s Department of Motor Vehicles (DMV). More often than not, drivers caught driving under the influence, driving while intoxicated, and driving with an expired insurance policy are required to get a sr22 coverage.
The sr22 may be mistaken as an actual auto insurance policy because it must be filed by an insurance firm that officially operates within the area. By filing the certificate with the state DMV, the driver, whose driving privileges have been suspended, can officially use a vehicle once again, for a period of three years. Once the three-year “probationary period” has been fulfilled, these rehabilitated drivers will have their licenses officially renewed.
With the number of auto insurance providers offering sr22 filing services, it would be best to check the state DMV website to find out which companies work more efficiently to adequately reinstate driving privileges.
New York Car Insurance With Foreign License
Reader’s Question:
Hi there. I have foreign drivers license. I will be visiting New York city next month and I am planning to buy a car in New York. Is it possible to get car insurance in New York? How much would that be?
Sherry
New York City NY
The New York State Department of Motor Vehicles (DMV) states that they recognize your foreign driver license if you stay a resident in your country where you get your drivers license. You will not be required to get NYS driver’s license to operate in that state unless you become a resident of New York.
It may be difficult to purchase, register and insure that vehicle. If you are going to be in the US for over thirty days it might be necessary to get a U.S. driver’s license because many insurers will require a valid U.S. drivers license. It is possible to find an insurer that will let you buy a car insurance policy with your foreign drivers license as long as you are in the process of obtaining a U.S. License.
The cost of car insurance will differ depending on the type of car and other factors.
I suggest that you speak with the car dealership that you are purchasing the vehicle from and as possibly a travel club such as AAA in the U.S. since they are likely to have dealt with this situation before.
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