DUI SR22 Forms
Reader’s Question:
My wife had had a DUI arrest here in Colorado and she needs to file an SR22 Form so she can get her license back, can we get an SR22 Form from any car insurance company?
Jamal
Colorado Springs, CO
Unfortunately no, not all car insurance companies are authorized to file an SR22 form in your, or in this case, in your wife’s behalf. Only authorized car insurance companies can facilitate this for your wife. Finding a suitable auto insurance company that can file SR22 forms is the very first thing you and your wife needs to do in order to get her driving privileges returned. Colorado’s DMV or Department of Motor Vehicles’ website should provide you a directory of authorized insurance carrier that can help file this form for you.
Once your wife is able to find one, and purchases enough auto insurance coverage, the insurance carrier will be the one to submit the SR22 form to your state DMV effectively notifying them that your wife is properly insured to be allowed to drive a vehicle again, and therefore facilitate the process to get her driver’s license back. This is also an effective way for the state to monitor and impose mandatory financial capability to those drivers who have shown risky driving habits, or have poor driving histories, foe everyone’s mutual protection.
Your wife also needs to maintain the coverage for to years and any gaps, lapses or cancellations in the SR22 insurance coverage will be reported by your carrier to the State DMV, who can penalize you severely. We encourage you to use the free insurance quote tool on this website to help you find a carrier that can file this form for you, as well as be able to compare timely quote offers from many companies in a fast and convenient manner.
Uninsured Motorist Auto Insurance Alabama AL
Reader’s Question:
I have been in an accident where the other party was found to be at fault. I sustained injuries and my car was damaged. I don’t have car insurance. Will his insurance company cover for the expenses?
Dave
Birmingham, AL
Considering that the other party is “at fault” and has minimum liability coverage then his auto insurance provider pays for the damages to your car. But as in any vehicular accidents, auto insurance companies are certainly going to investigate. If the investigation on the accident determines that the fault is shared, say 50-50, the other driver, who in this case is you, will then have to shoulder half of the expense. This will unfortunately have to come from your pocket since you have no auto insurance coverage. If the other driver has uninsured motorist insurance in his policy, then you won’t have to worry about footing half of the bill.
However, Alabama does not require all its motorists to obtain uninsured motorist insurance and you should not count on it. Besides, what are you doing driving around without any car insurance? Operating a motor vehicle on public roads without auto insurance coverage is against the law. Alabama requires its motorists to have the minimum liability insurance coverage. It will be wise for you to purchase one as soon as possible. Penalties for non-compliance of auto insurance laws in Alabama often involve paying a sizeable amount for fines, possible revocation of your car registration and driver’s license, and worse, a possible jail time for various traffic and insurance laws violation.
Tags: auto insurance coverage, Car Insurance Company, car insurance law, liability insurance, traffic violation
SR22 Auto Insurance Coverage in New Hampshire
Reader’s Question:
I have an SR22 and I am wondering what exactly does an SR22 insurance cover in 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 canceled, 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.
