Reader’s Question:

I live here in Anchorage, Alaska, and I do not have car insurance as of the moment. I’m thinking of getting one, but I have no idea which one to choose. Can anyone give me any pointers?

Merrill

Anchorage, Alaska

Whoa, Anchorage, Alaska, up there to the North. It must be terribly freezing out there. Hehe. Anyways, i am sure that there must be loads of auto insurance companies there from which you could choose, but a good advice of what to do in choosing a good car insurance company is to check the web site (if there’s any, but I’m sure there is, even in Alaska…heehee) of your state’s division or department of insurance. I am quite sure that you are going to see there dozens of information online about auto insurance companies like complaints, alerts, policies, regulations, benefits and other related links that would help you in choosing wisely.

There also has to be some frequently asked questions section where you could get some information that could answer a lot of your questions. You should also check out the consumer complaints section to give you an idea of which companies are most likely to give you a splitting headache when you are already making your claims. But if your state does not offer that information, you can just visit the other states’ sites because in this way you would be able to compare the terms and premiums of the companies. If visiting web sites do not help you, you can also check out some body shops and ask them which companies they would recommend because i’m sure they might have some concrete ideas since most probably, they handle with insurers almost every day. If this still doesn’t work for you, you can always hire an independent agent who could guide you to choosing the best company for your auto insurance needs.

Tags: auto insurance, auto insurance online, car insurance cost, car insurance rate, cheap auto insurance

Reader’s Question:

A tree limb fell on my windshield and I would like to know if my liability insurance in Boise, Idaho will cover this?

Jane

Boise, ID

No, if a tree limb that damaged your windshield will not be covered under your liability insurance. I suggest that you check with insurance agent if your property damage insurance will cover the damages.

Your property damage liability covers you if your vehicle damages other people’s property. Normally it is their automobile, however it could be a a house or a fence or any other property damaged in an accident. Bodily injury liability may also give for a legal defense if another driver in the accident files a lawsuit against you.

You will need a physical damage of comprehensive coverage on your vehicle so that your windshield will be covered from the tree limb.

If you only have the liability coverage in Boise, Idaho and you do not have the comprehensive coverage on your car your car insurance will not pay for the damage to your windshield. You may be able to obtain car insurance policy quotes on this website for physical damages of collision and comprehensive so that in the future your vehicle will be fully protected by your auto insurance.

Tags: auto insurance, comprehensive insurance coverage

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:

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:

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