SR 22 Auto Insurance Quotes

Reader’s Question:

Is there such a thing as sr 22 auto insurance? I am really confused about this.

Jacob

West Covina, CA

No. There is no such thing as sr 22 auto insurance.

What there is, however, is a sr 22. A sr 22 is a document or certificate that is required by the state to check if an individual is maintaining automobile insurance liability coverage. Since this is government-mandated, individuals in need of a sr 22 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 sr 22.

The sr 22 may be mistaken as sr 22 auto insurance because it must be filed by an insurance firm that officially operates within the area. By filing the sr 22 with the 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 insurance providers offering sr 22 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.

SR22 Car Insurance Coverage

Reader’s Question:

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.