Reader’s Question:

What are the cars are cheapest to insure in Florida when you had no claims bonus. I would also like to know if diesel is a lot more expensive than a petrol car? I live in Boca Raton.

Harold

Boca Raton, FL

Your first question will depend on several factors regarding which type of vehicle may be the cheapest for you to insure such as if the car is used or new, category of the vehicle and the type of engine,. Older vehicles usually have more discounts regarding comprehensive insurance premiums. Family cars with moderate repair costs are often cheaper to insure than powerful and large vehicles which can be expensive to repair.

Car insurance claims are more frequent in urban areas so drivers in cities often pay more for their car insurance than those who live in the country. The place where the vehicle is kept is also rating factor.

To find the cheapest and generally best automobile for your needs in Boca Raton Florida, you can do research online. There are several lists of vehicles that are cheapest to insure in Florida.

Tags: autos, car insurance, cheap cars

Reader’s Question:

I have a non-owners SR22 insurance policy and I understand that I can operate any car with permission except one that belongs to a family member? Does this mean that I cannot drive a car owned by a family member? Or does it simply mean that the car insurance policy will not cover me in case of accident? Please I need help.

Jenny

Fort Wayne, IN

A non-owners policy usually means that the an individual on the policy does not own a car nor lives in a household with a car. If the family member does not live in your household it might be possible for you to operate their vehicle but you should check with your insurance broker.

Also make certain that your family member’s vehicle is insured and would cover you if there is an accident since when borrowing somebody else’s vehicle, the car owner’s insurance policy is primary to cover damages.

Reader’s Question:

I currently have an auto insurance policy with my insurance agent for the next three months. Can I purchase an SR22 as additional auto insurance policy through another insurance provider?

Jim

Dallas, TX

No. I do not see any reason why you should continue paying on one auto insurance policy and purchasing another auto insurance policy. In fact it is actually illegal to have two policies on the same insurable interest in some states.

If your insurance provider can file the SR-22 insurance policy for you, that would be the first course of action. If they cannot, then I suggest that you find an auto insurance policy that has an SR-22, buy it and cancel your existing policy.

Additionally, there is no such thing as SR22 as an additional coverage. An SR-22 is an insurance policy that the state mandated requirement to show proof of auto insurance coverage.

Reader’s Question:

My had a DUI last year and at that time he had full collision coverage but he was informed that he still needs to get sr-22 since he did not have the bodily injury liability. I thought if you did not have the state required liability thats the time you will need an sr-22? Is this correct?

Maya

Good Question Maya.

Theres a lot of reason in various states as to why a SR-22, certificate of financial responsibility may be required. One of the major reason is that the individual did not have the required insurance by the state but this is not the only reason.

Most states would require the financial responsibility certificate to get your license restored even if ,at the time of the accident, you have the required insurance. The reasons for this may be different in most cases but generally the state want to verify that the individual is being responsible now that their license has been returned. The SR-22 is one way to make sure that proper coverage is obtained when the license is reinstated.

Your son may probably live in Florida from the information you gave. If he lives in Florida, normally Florida state requires auto insurance includes Personal Injury Protection coverage ($10,000) and Property Damage Liability coverage ($10,000).

It is noted however by the Florida Department of Financial Services that if an individual is involved in an accident the FL Financial Responsibility Law also requires Bodily Injury Liability coverage ($10,000 one person, $20,000 one accident or $30,000 combined) to be bought.

Although the FL HSMV does not require you to carry bodily injury liability (BIL) in order to get vehicle registration, if you are involved in an accident in which the other person is injured, you have penalties for not having this coverage according to information given from the FLDFS.

Goodluck!

MariCAR

Reader’s Question:

How long should I carry the sr-22?

Rico

Thank you for asking Rico.

it actually depends upon law of state the amount of time in which an individual must carry an sr-22, the reason you are required to carry this financial responsibility certificate, etc. Most states will inform you how long you will need to maintain the financial responsibility certificate or SR22 when you are first required to have it.

If you think your time period to carry this is up already, you need to contact your Department of Motor Vehicles, or like state agency, to see if you need to carry the SR-22 off or not. The DMV will be able to give you information on how many years the SR-22 is required for different infractions so you are aware how much longer you are required to carry the SR-22 if your time is not up yet.

If you are allowed to end carrying the SR-22 already then you should notify your auto insurance company. In many states there is a form, such as the SR-26, that the insurance company uses if you want to cancel your sr-22.

Goodluck!

MariCAR

Reader’s Question:

I just found out that my license was suspended. I just want to know what I should do to have license reinstated in the state of Louisiana and how should I carry it.

Will

Good Question Will.

In Louisiana the length of time an individual must carry the sr-22 certificate depends on the reason for requiring the financial responsibility or sr-22. To know if you only need to maintain it for 3 years and if this length of time began at the time which your drivers license was suspended or when you actually first filed the form you will have to contact the Louisiana Department of Public Safety.

You may want to contact the Motor Vehicle Reinstatement offices since this is regarding license reinstatement. They can assist you with reinstatement as well as cancellation and suspension.

Suspension or revocation of your driver’s license have the same affect on your driving privileges, you are not allowed to drive since you have invalid license. The differences between the two are the penalties for being convicted of driving while suspended and the reinstatement requirements.

Generally, you are not allowed to drive for a specific amount of time if your license is suspended.

You are allowed to restore your driving privilege and in most cases you must re-test (both written and drive) to be issued a new license when driving privilege was suspended after serving the required period.

Goodluck!

MariCAR

Reader’s Question:

My son acquired 12 points and received a suspension. He is required to get an sr-22. What is a South Carolina law on sr-22?

Mariel

Thank you for asking Mariel.

A form S-22 insurance certificate is required for 3 years from the ending date of the revocation for which it is required. This is according to the South Carolina Department of Motor Vehicle. This form is also required during the six months when an person is issued a provisional license.

Before the license can be reinstated or a provisional license issued by an individual, the SR-22 must be on file at the South Carolina DMV . It is noted by the Department of Motor Vehicles that SR-22 is not required if the required three year period for the original suspension has ended.

It is also noted in the South Carolina’s manual for drivers that some revocations may require SC motorist to file SR-22 insurance before their driving privileges can be reinstated. The SR-22 insurance is proof of future financial responsibility . If you fail to maintain the coverage when you are still required to carry it, your driving and/or registration privileges will be suspended and you may be required to make a payment up to $400 in reinstatement fees.

You may contact the SC DMV to get more information on the laws regarding your son’s loss of license due number of convictions. You may also inquire about him getting an sr-22.

Goodluck!

MariCAR

Reader’s Question:

Do I need an sr-22 if my license was suspended for unrelated reason?

Chai

Thank you for asking Chai.

The SR-22 can be required for different reasons reasons in California including after a license revocation for a DUI and for reinstating a driver’s license after a suspension for driving without insurance or another type of financial responsibility on your car.

We are unable to say in certainty if you will be needing an sr- 22 or not without knowing what the unrelated issue was. However, you may be able to get more information if you contact the Department of Motor Vehicles or your insurance company to verify if you need an sr-22 on file.

You can get an answer to your specific case with the CA Department of Motor Vehicles. You can visit the CA DMV website or call them at 1-800-777-0133 during normal business hours (Between 8-5, Mon., Tues., Thurs., & Fri. Between 9-5 on Wednesdays) to verify about your particular situation. Make sure you have your driver’s license ready when you speak to them and other information sent by the DMV to you.

Goodluck!

MariCAR

Reader’s Question:

I never had a license but I was required to carry sr-22 in Virginia. Can you tell me why?

Rhea

Good Question Rhea.

This will actually depend upon state laws and the reason behind why an individual is required to get an SR-22 or if a person can be mandated to carry this even without a driver’s license. According to the Virginia Department of Motor Vehicles, the financial Responsibility certifications or the sr-22 is required in Virginia for the following instances:

* Unsatisfied judgments
* Driver license suspension as a result of a major conviction
* Uninsured motor vehicle suspension

If you get convicted doing any of these violations then you could be required to get an sr-22 even if you do not have a license.

It does not mean that the state has not started or has a driving history for the individual just because the person does not have a driver’s license. If you are caught driving without a valid license and are also cited for a any traffic violation, these will be recorded under a driver’s history even though you have not received or obtained your license yet.

Goodluck!

MariCAR

Reader’s Question:

How long do I have to carry an sr-22 in North Dakota? I got a DUI for almost 4 years ago.

Heidee

Thank you for asking Heidee.

In North Dakota, the penalty for driving under the influence of alcohol is very harsh.

There are two penalties involved under the DUI law:

1. administrative license penalty

2. court conviction penalty.

Your license may be suspended through either or both processes. By law, if you get caught for DUI, the police officer will take your driver’s license then and there. This is under the administrative penalty.

If convicted for DUI, the court process, in addition to suspending your driver’s license, you also face mandatory fines and jail sentences.

* First conviction- you will pay the fine of $250.
* Second conviction within five years—you will pay $500 fine and five days in jail or 30 days community service work.
* Third conviction within five years—you will pay $1,000 fine and 60 days in jail.
* Fourth conviction within seven years—you will pay $1,000 fine and 180 days in jail.

Moreover, all convicted offenders are required to submit to a mandatory alcohol addiction evaluation.

In addition to that, if convicted of a DUI, the law will require you to show proof of financial responsibility (SR 22 insurance coverage). The ND Drivers License Division of the Department of Transportation requires those that have been convicted of DUI, to show proof of future financial responsibility for a period of one year. This is according to the North Dakota Insurance Department.

Motorist who wants to reinstate their license and satisfy the requirement may do so by having their car insurance company file a SR-22 Financial Responsibility filing (SR-22 is the form name) in their the state.

You may contact the North Dakota Department of Transportation to get more information if you can only keep the sr-22 for a year.

Goodluck!

MariCAR