Drivers License Suspended Now I Need SR22 Insurance in South Carolina

November 14 2007 by Maricar in Drivers License |No Comments

Reader’s Question:

My son acquired 12 points and received a drivers license 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

Do I Need SR22 Insurance If My Drivers License Was Suspended?

November 14 2007 by Maricar in Drivers License |No Comments

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

Do You Need SR22 Insurance in Virginia? – Compare Rates

November 14 2007 by Maricar in Insurance Requirements |No Comments

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

How Long Do I Have To Carry SR22 in North Dakota

November 14 2007 by Maricar in Insurance Requirements |No Comments

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

Does SR22 Insurance Cover Damage to Other Vehicles?

November 14 2007 by Maricar in Insurance Questions |No Comments

Reader’s Question:

Does my sr-22 insurance cover the other vehicle if its my fault?

Rey

Good Question Rey.

SR22 is to show proof that you have necessary coverage that meets the state’s minimum financial responsibility laws.

If the state includes Property Damage Liability as a requirement, then that policy will cover the other vehicle, up to the limit on your policy.

Property Damage Liability

This covers you if your car damages someone else’s property. Usually it is their vehicle, but it could be other properties like a house or any other property damaged in an accident. This would also provide you with legal coverage if the other party files a lawsuit against you. It is best to buy enough of this insurance to get you fully covered since this will include the amount of damage your car might do to another car or properties. This coverage is limited to the terms and conditions in the policy.

If you have a very low limit, you may put yourself at risk in terms of financial cost. For instance, if you or a driver covered by your policy cause a serious accident where the damages exceeded your limits, you will be responsible for the cost above your limits. You might be forced to liquidate property, savings and other assets just to make that payment. You may be able to help yourself be protected from this risk if you purchase liability limits to account on your assets and future net worth.

Goodluck!

MariCAR

SR22 and High Risk or Assigned Risk Auto Insurance

November 14 2007 by Maricar in High Risk Insurance |No Comments

Reader’s Question:

Is it a way for the insurance company to know if you are a high risk driver if they ask you why when you get an sr-22?

Martha

Good Question Martha.

SR-22 form in Tennessee is proof of future financial responsibility as required under Tennessee Code. An insurance company needs the information as to the reason for getting an the SR-22 policy so they can inform the state of your compliance.

Here are the lists what is usually required of an insurance company when filing a SR-22 for an individual:

1. A copy of the certificate or form is required. This generally has all the information an insured gives to the insurance company.
2. Authorized signatures are required.
3. A sr22 filing may be made for an insured other than a named insured
4. no provision for fleet filings.
5. SR26 form must be filed not less than 20 days prior to the termination of coverage.
6. Insurers must enter their NAIC number on the SR22/26 certificates.
7. Filings are to be mailed to: Tennessee Department of Safety

Insurance companies are aware of TCA 55-12-114 and the reasons listed there why an SR-22 may be needed by an person. Insurance companies never ask why to know if you are a high risk driver or not.

Insurance providers will be able to know if you are a high risk driver by looking at your driving record. For example, if you are required to carry a SR-22 due to a DUI, the insurers will be able to know about the DUI offense from your driving record anyway.

Goodluck!

MariCAR

Will My Car Insurance Rate Increase After SR22 Charge?

November 14 2007 by Maricar in |No Comments

Reader’s Question:

Will my car insurance policy increase after having DUI?

Ares

Good Question Ares

Usually you will see an increase in your car insurance rates because of the DUI conviction on your record. Driving a car under the influence of alcohol puts you under the category of a high risk drivers. This is being put on your driving record.

The increase on your insurance premiums due to having a DUI and/or needing an SR-22 (certificate of financial responsibility) depends on the rating system of the insurance company that you are dealing with. If you have a safe driver discounts that helps you lower your insurance premiums, it is also possible that you may lose this discount if you have DUI in your driving record.

Some state car insurance regulators give information on the average insurance increase for a DUI conviction. You may also get this information from the Department of Motor Vehicle. For instance, the cost of a DUI brochure lists that your Colorado car insurance can go up 30 % on average, that is if it is not terminated, after getting a DUI conviction.

Goodluck!

MariCAR

When Does SR22 Insurance Coverage Start From License Suspension?

November 14 2007 by Maricar in Drivers License |No Comments

Reader’s Question:

When is the start of the sr-22? 3 years from the suspension of license or 3 years when you purchased the sr-22 insurance? I live in Florida.

Wendy

Thank you for asking Wendy.

The Florida Responsibility Law requires any individual to have bodily injury liability insurance at the time of:

1. A collision where you are at fault and injuries have occurred.
2. A suspension for too many points against your driver license.
3. A citation for DUI, which results in suspension.
4. A suspension for Habitual Traffic Offender.
5. A suspension for any serious offense where this department is required to revoke your license.

Your driver license will be suspended for up to 3 years if you are involved in any of these violations and do not have insurance to comply with the Florida law.

To get your license reinstated, you will need to pay a $15 fee and show the department a proof of financial responsibility in the form of sr-22 for 3 years from the original suspension date.

You may contact the Florida Department of Highway Safety and Motor Vehicles (HSMV) to know the the length of time that you are required to keep the sr-22.

Goodluck!

MariCAR

SR22 Insurance For Motorcycles? Do You Need It?

November 14 2007 by Maricar in SR22 For Motorcycle |No Comments

Reader’s Question:

I am required to carry an sr-22 in Illinois. I just purchased a motorcycle, do I have to have an sr-22 on that motorcycle?

Mike

Good Question Mike.

Liability insurance is required for all motor vehicles that are being driven, including motorcycles. This is being used by the state of Illinois to monitor the insurance of problem drivers.

The SR-22 is a certificate of insurance filed by the insurance company to the Illinois Secretary of State and can be issued in one of the following forms:

1. Operator’s Certificate – covers the individual in the operation of any non-owned vehicle. If the driver does not own a vehicle, the financial responsibility requirement can be met this way.

2. Owner’s Certificate – covers cars owned by the motorist. The type of car must be listed on the SR-22 or may be issued for “All owned vehicles”.

3. Operators-Owners Certificate – covers all cars owned or non-owned by the motorist.

If you have an Owner’s Certificate or Operators-Owners Certificate type of SR-22, you will need to add your motorcycle as one of your owned cars. Contact the Illinois Secretary of State Driver’s Services to verify if you will need to include your motorcycle to your sr-22 or you will need to have a separate policy for it.

Goodluck!

MariCAR

Do I Have To Get SR22 Insurance To Reinstate My Drivers License?

November 14 2007 by Maricar in Drivers License |No Comments

Reader’s Question:

I received a DUI 3 years ago and I have not reinstated my license yet. Can I be added to my sister’s insurance and do I need an sr-22? Do I have to purchase an insurance before purchasing a car? Please help.

Allan

Thank you for asking Allan.

In most states you will need to show proof of insurance if you are going to register a vehicle so it is better to get an insurance beforehand. If you do not own a vehicle at the time of buying insurance you will need to get a non-owners SR-22 which you may be able to change into regular SR22 policy once you get or own a vehicle.

You may contact the insurance company of your sister if you want to be added to her policy and check if it is possible. You may also consider checking other insurance company and compare if it would be better to have you added or get your own policy from a different company. Once you get quotes from different insurance companies. you will be able to know which is cheaper.

You will need to keep your insurance policy that you will going to purchase in order to reinstate your license. Remember also that you can get different quotes online to give you more options and best insurance company that may be able to assist you in all your car insurance needs.

Goodluck!

MariCAR

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