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

Reader’s Question:

Is it cheaper to get an sr22 form from other company or from my current company?

Amber

Thank you for asking Amber.

If your current insurance provider will file the SR-22 form for you, after making sure you have at least the types of insurance and liability limits that is mandated to you by the state, then normally it would be easier for you to keep the same insurance provider.

If your current insurance company does not offer the SR-22 for you then you will need to get a different auto insurance company that does deal with “high risk” drivers and will forward the SR22 form to the proper state agency on your behalf.

Your current insurance policy will not be able to be kept if your current insurance company does not file SR-22 forms for policyholders.You will need to get an auto insurance with an insurance provider that does SR22 filing and is cheaper. Then after that terminate your current insurance once your new car insurance is active.

Goodluck!

MariCAR

Reader’s Question:

I want to know where I can get an sr22 and please tell me the process. Thanks.

Leah

Thank you for asking Leah.

The SR-22 form is something that the insurance carrier has and will file once you have purchased the car insurance required of you by the state. This form may be given to Policyholders to take to the license office. In some cases, it can be downloaded online or mailed. Some insurance carriers offer instant SR-22s, while other require it to be filed before mailing it to you.

If you are mandated to file an SR-22, then you should contact your liability insurance company and inform them of the needed filing with our state. The sr22 form must be filed by an insurance carrier licensed through your state’s insurance regulatory body normally.

If you are not able to find a carrier that can file the SR-22 for you then check with your state’s insurance regulator who should be able to advise you where to find an insurance company in your area that you can obtain the required insurance from and file the SR-22 form on your behalf.

Goodluck!

MariCAR