Reader’s Question:

I have an SR22 and I am wondering what exactly does an SR22 insurance cover in Nashua, New Hampshire?

John

Nashua, NH

The New Hampshire Department of Safety states that an SR22 is a form that shows proof of liability insurance and is filed by the insurance carrier licensed to sell insurance in the state of New Hampshire.

The SR22 insurance certificate shows that you are complying New Hampshire responsibility laws and is usually mandated by the state if you have had an accident without car insurance or due to any serious traffic infraction. This certificate is filed by your current car insurance company to the Department of Motor Vehicle and in case it has been cancelled, the DMV will be notified.

The minimum liability limits for liability coverage in the state of New Hampshire is 25/50/25 and this means bodily injury liability limits of $25,000 per injured person up to $50,000 per accident and property damage liability limits of $25,000.

Tags: auto insurance, sr22 insurance

Reader’s Question:

Where do I get the SR 22 form? I also need to know the process. Thank you.

George

Chicago, IL

The SR-22 form is something that the insurance provider has and will file once you have bought the insurance required of you by the state. Policyholders may be given this form to take to the license office in Illinois. In some case, it can be downloaded in websites or mailed. Some insurers offer instant SR-22s, while other insurance companies require it to be filed before mailing it to you.

If you are required to carry an SR-22, then you should contact your car insurance agent and advise them of the needed filing with our state. The form must be filed by an insurance carrier licensed through Illinois insurance regulatory body normally.

If you are unable to find an insurance company that can file the SR-22 form for you then check with your IL insurance regulator who should be able to advise you where to find an insurance carrier in your area that you can buy the required insurance from.

Tags: sr22 insurance

Reader’s Question:

How long are you required to carry SR22 auto insurance because of a DUI in Colorado? I have insurance in Loveland CO.

Pete

Loveland, CO

The state of Colorado requires a SR-22, a financial responsibility certificate, be acquired when you are convicted of drunk driving. The sr-22 certificate itself is not an insurance policy, but instead is a guarantee by the insurance provider that you will keep insurance in effect for a certain period.

If you are required to have an SR22 form and do not keep the SR22 certificate current, the insurance provider will notify the Colorado Motor Vehicle Division (MVD) at which point your drivers license will be suspended.

The amount of time that are required to have the SR-22 is typically three years. According to Colorado legislator under some case, such as those with an alcohol related driving violation, it could be for a different period, as long as the insured’s license has been restraint.

So it would seem that the SR-22 form would have to be maintained for either three years or for a period equal to the duration of your license suspension or revocation in Loveland, CO. To verify for sure you can contact the Colorado Motor Vehicle Division.

Tags: drunk driving insurance, DUI, sr22 car insurance

Reader’s Question:

If I co-sign for an car loan in Clifton, New Jersey and the primary on the loan does not carry auto insurance, will I be responsible in the case of an accident?

Ben

Clifton, NJ

If you co-sign on a loan in Clifton, New Jersey it is likely that you could be held responsible if there was an accident and the car was not properly insured. As a co-signer you are partly responsible for those who drive the vehicle and what happens while they are driving by what is called vicarious liability.

The financial institution that is the lien holder on the car will usually require collision and comprehensive coverage above the state’s mandatory liability auto insurance. This way their investment is the car is protected. If the insurance lapses on the car they might decide to take out insurance on the car themselves and add the cost, which will be high, to the loan.

Tags: auto insurance

Reader’s Question:

Ive had an sr22 auto insurance on file for the past five years but I think I dont need it anymore. I live in California and havent had a ticket or any traffic violation in five years. How will I find out if I still need an sr22 in California?

Jim

Los Angeles, CA

The most effective way to know if you still need an SR22 is to contact the Department of Motor Vehicles in the state of California. You may contact the California DMV can be reached at 1 (800) 777-0133.

You may visit your local drivers license office in CA.

I suggest that you contact the DMV because laws and rules are very arbitrary when it comes to an SR22 insurance policy. In most states you can use the internet to verify our license requirements.

Tags: auto insurance, autos, sr22 car insurance

Reader’s Question:

Is there any hard and fast rule in getting cheap auto insurance and discount car insurance?

Joe

Las Vegas, NV

Glad that you asked, Joe.

These days, auto insurance climb nearly as fast as gas prices do. More and more people like you are trying to seek ways to save money in any way with their expenses, including auto insurance premiums. Chances are, you will definitely find discount that you never know existed with just a little investigation and a few phone calls. You can always call around or just shop online for you to find the best auto insurance discounts from many auto insurance companies out there. You’ll never know what’s in store for you.

So what if you already have auto insurance? Can you still get discounts? Of course! You can simply increase your deductible in order for you to reduce your annual premium by 10-15%. Another way is for you to pay your entire year’s worth of premiums in one lump sum so that you will be eligible for a discount. There are also discounts for electronic or direct payment from your checking account if you cannot pay in one lump sum.
Still you can always modify your car’s safety features to save you a few dollars on premium rates. You can add alarms, anti-lock brakes, automatic seatbelts, side air bags, and any anti-theft devices.

Reader’s Question:

Can a full coverage be carried on a new car under SR 22 car insurance? I live in Virginia.

Karen

Alexandria, VA

Yes, you can always buy more coverage than what the state of Virginia mandates. You have to file the financial responsibility certificate or what is commonly called as SR-22.

Thus, if you have recently bought a new motor vehicle and need not only liability coverages but full coverages, meaning physical damage coverages of comprehensive and collision, then you should be able to get all of these coverages on your car insurance policy.

If you cannot get both types of coverages with your current insurance company you can get free car insurance quotes by using your zip code form in this site.

Reader’s Question:

My friend is required to have an SR22 financial responsibility form and I added him as an additional driver to my insurance policy and they issued a SR22 to the state, is he now covered to drive other cars?

George

Aurora, CO

Your friend should be able to operate any vehicle now if his license is valid and filing the SR22 was the only thing required of him by law to start driving again. He/She should be covered to operate other cars as long as the car owner’s insurance provider does not have an exclusion or issue about it.

The SR-22 provides liability coverage only so it would not cover any physical damage to the car he is driving. The owner of the car that he is driving would be the primary insurance coverage on the vehicle.

Reader’s Question:

I would like to know how much will it cost to get an SR22 form?

Jenny

New Haven, CT

Typically, insurance providers are allowed to charge a nominal fee for filing the financial responsibility certificate (form) to the state. State laws vary but the SR-22 form filing fee is normally only $15 to $25.

The car insurance coverage bought that is associated with the SR-22 form will be rated according to different factors that normally go into rating an insurance policy, regardless of the SR-22 form filing. The rates are not different whether you are getting an SR-22 or not.

Your driving record is one of the the rating factor in the cost of car insurance so you are required to obtain and carry the SR-22, for reasons like reinstatement of your drivers license after a DUI suspension, it may affect your rates. However the SR-22 form itself does not go beyond the filing fee.

Reader’s Question:

What is an sr22 form and what does it looks like?

Truman

Thank you for asking Truman

A form which must be filed by the insurance company stating that auto liability insurance is in effect for a particular individual is what is commonly called as the sr22 or the financila responsibility certificate. THis is required when insurance is provided to a person who got involved in an accident or was convicted of a moving violation and was unable to show proof financial responsibility.

Below is the sample of the form:

Goodluck!

MariCAR