What situations will require filing of the SR22 form?

Jimmy

Detroit, MI

There are various situations where you will be required to file an SR22 form. The SR22 form is also known as the Certificate of Financial Responsibility (CFR). This SR22 form is filed by the insurance company with the MI Department of Motor Vehicles (DMV) to confirm that a particular policyholder indeed has a current vehicle liability insurance coverage. In most cases, filing of the SR22 form will be needed if an individual fails to present any proof of financial responsibility following a car accident where he was found to be at fault or after getting pulled over for suspicion of driving while impaired. In situations where an individual’s driving privileges are suspended or revoked, the SR22 form has to be filed by his insurer to facilitate the reinstatement of the driver’s license. The other instance that would require the SR22 form is when an individual chooses to maintain non owner vehicle liability insurance. This is a very popular choice among those who do not own and maintain their own vehicles but frequently drive rented or borrowed ones. This SR22 form will be a certificate of self insurance issued by the DMV and should contain the name of the car owner.

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