I live in Hawaii and my license has been suspended due to drunk driving. Will I be needing SR22 filing? How do I get my drivers license back? By the way, I do not have a vehicle right now.

Brian

Honolulu HI

To know for sure what exactly you need to do to reinstate your license after DUI conviction in Hawaii, I suggest that you contact HAwaii Licensing Authority. You maybe able to contact them at 808-534-6800. You may inform them about your specific case and ask them if you are required to get an SR22.

According to Hawaii drivers manual, the state may require you to provide proof of financial responsibility certificate or SR22 due to certain offenses. You will need to carry an SR22 for a period of three years from the conviction date. Your car insurance company may do SR22 filing for you and they will submit it to DMV.

Even though you do not have a vehicle, you will still be needing to file an SR22 as part of your reinstatement process to have your drivers license restored.

If you drive a vehicle with a suspended license due to drunk driving conviction, you might need to pay a fine for up t $2,000.

If I sell my vehicle, is it ok not to get SR22 if I will not be driving any car for a period of three years?

Rick

Chicago IL

If you are being required by your state to carry an SR22 for a period of three years,then even though you sell your car, you will still need to carry an SR22 auto insurance coverage for three years.

Generally, individuals are required to carry an SR22 for various reasons such as getting citation for driving without car insurance, DUI or DWI, getting too many points in your driving record etc. If your drivers license has been suspended, you may need to file an SR22 through your insurance company to have your license reinstated.

SR22 is a type of certificate that show proof to your state that you have the required minimum liability insurance. Your insurer will file this for you to be submitted to the DMV. If you cancel, terminate or let your car insurance lapse before the time period of carrying an SR22, your insurer will inform the DMV and your license will be suspended.

If you do not have a vehicle, you will be required to get a non owner SR22 instead. This non owner SR22 will permit you drive cars that you do not own.

To know more about SR22 auto insurance, you may contact your local Department of Motor Vehicles and find out if you are required to get an SR22.

I live in Alaska. I got a ticket for reckless driving. Will I be required to get SR22 form?

Allan

Anchorage AK

In Alaska, if you get convicted of major traffic offense and your license get suspended, you will be required to get an SR22 form.

Alaska Driver manual states that if you are convicted of reckless driving, your license will be revoked. You can get the information from the court listed  how long your license will be revoked. You may also contact the AK Division of Motor Vehicles for more information.

If your drivers license gets suspended in the state of Alaska, you will need to provide proof of financial responsibility certificate in the form of SR22 form. This type of insurance will be filed by your car insurance provider to inform the Division of Motor Vehicles that you have the required liability insurance. Your insurance company will also inform the DMV if your your SR22 has been canceled, terminated or lapsed.

Typically, an SR22 is part of the reinstatement process to have your drivers license restored.

Generally, you will need to keep an SR22 form active for a period of three years.

Reckless driving is a serious violation in Alaska and that means your auto insurance rates may increase once your insurer sees the violation in your record. If your rates went up, you may shop around for free insurance quote to make sure you are getting a less expensive car insurance quote.

I had just started living on my own but I am currently on a tight budget. I need an auto insurance in Pennsylvania but how can I get an auto insurance policy that is cheap but still decent coverage?

Peter

Harrisburg PA

Auto insurance policies that are offered at cheap rates shouldn’t be hard to find. All you need is the determination and the patience to perform the needed procedures that will ultimately get you the auto insurance cheap. There are some auto insurance companies that specialize in offering cheap car insurance policies to those people who are budget-conscious. You can also contact an auto insurance agent in your area to help you with your concerns of finding an auto insurance cheap. By discussing with the agent what you really want out of your auto insurance at a limited budget, he may be able to get you the right auto insurance policy for you and make necessary adjustments, if necessary, to fit your needs and budget.

The most common advice anyone can give that can assist in finding the cheapest auto insurance policy is to compare various car insurance quotes taken from many different car insurance companies. Just like two different companies offering two same products at different prices, auto insurance companies also offer the same insurance policies at prices much different from each other. When you compare insurance quotes in Pennsylvania, you will definitely notice that even if two insurance policies are the same, they are of different prices because each one is owned by different insurance companies. Thus, comparing quotes is really necessary as well as essential to acquire auto insurance cheap.

To get as many quotes as you need, the Internet is a great place to be. Not only you get many auto insurance quotes, you also get them in an instant. All you have to do is enter certain information about yourself and your car and you will get your insurance quotes while you wait! If you are worried about the security of your personal data supplied in the Internet, there are websites that will only require you to input your postal code and you will then receive your quotes. The most detailed quotes request form doesn’t even have to ask for your social security number, among other confidential information.

What are the cars that 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.

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.

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.

My dad 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 that’s 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

How long should I carry the sr-22 certificate on my insurance policy?

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

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