Do I Need Car Insurance For a Parked Car I Do Not Drive?
Reader’s Question:
I live in Antioch, California. I have a vehicle here that I do not use and did not place insurance on it. It is parked in the streets. I am just wondering if somebody drive that car and got cited for being uninsured, will the ticket go on my record or to the driver operating the car? I currently live in New Jersey.
John
Antioch, CA
According to the California Department of Motor Vehicles financial responsibility must be acquired and must be carried on any car operated or parked on CA roadways. So if your vehicle is going to be parked on a streets you would need to put car insurance on the car.
According to the California Department of Insurance all CA motorist and vehicle owners must have at least the statutory limits of minimum liability insurance or an approved alternative way to pay for property or injury damage they may cause to others. Penalties are very harsh for those who do not comply on this law.
So if you are the owner of the vehicle in Antioch, California and you are planning to parked on the street you would have to have auto insurance on the vehicle and be responsible, if someone operated it while it was without mandatory liability insurance . The fact that you are living out of state in New Jersey will not make a difference to police officer if you permit others to operate an car that that you own without insurance.
Car Repair Cost More Than My Insurance Company Estimate – Help!
Reader’s Question:
My wife just had her first accident, thank God nobody is hurt. At first I thought it was just a minor accident and the cost of damage for the repair is not that much. But now, I am thinking the other way around, after the repair shop in Chandler, Arizona send us the quote it was such a price and the insurance adjuster provided lesser amount telling us that this is only the collision coverage can cover for. Whew! Any idea, what else can we do?
Rob
Chandler, AZ
Let me start first with your Collision auto insurance coverage. It is a part of your total comprehensive auto insurance package. Now in your policy, if you can review it. It is agreed in there that the insurance company will carry all the damages and repairs but this is limited to the vehicle. There are times that the value of the vehicle is less than the cost of repair to the vehicle. Collision auto insurance covers the cost of damage and repairs but it doesn’t mean guarantee for replacement or replacement value.
The insurance adjuster only received the description of the damage of your car, he then seek for an estimate for repair of the said damage. Only that, it appears the estimates he had is lesser than the cost of repairs the shop provided to you. I think the amount that the insurance adjuster offered was correct.
The collision auto insurance coverage provided options for you. First, you can accept the offered amount go for the repair and shoulder the excess amount. Second, you can negotiate with your insurance adjuster, but if you are still unhappy with the outcome you can go to the third option. Third, file your complaint at the state insurance agency in Arizona. This agency will review your collision auto coverage and evaluate it with your insurance provider. Try to research online too for auto insurance options in your area. Insurance sites like this one will be able to route you to auto insurance rates comparison in your area.
SR22 Auto Insurance Certificate Houston,Texas TX
Filed under: SR22 financial responsibilty, SR22-costs, Why get SR22 insurance
Reader’s Question:
My daughter has SR-22 insurance in Houston,Texas. I would like know what we have to do to take it off her record.
Jason
Houston, TX
An SR-22 is a certificate of insurance in the state of Texas that show proof of automobile insurance with the Texas Department of Public Safety (DPS) for the future, as required by law.
The insurance carrier notifies the Texas Department of Public Safety (DPS) if the car insurance policy is cancelled, terminated, or lapses thus if that happens appropriate enforcement action may be taken. The driving privilege or the drivers license will be suspended if a person is required to obtain an SR22 and there is no SR22 on file.
The form called the SR26 is filed by the company to cancel the SR22. So if your daughter is no longer required to carry an SR22 or the time period to carry this financial responsibility certificate is up already in Houston,Texas, she must inform her insurance company that she no longer needs to carry an SR22 so that it will be removed. Her insurance carrier will probably be needing some documentation that shows that she no longer needs to carry an SR22 insurance.She may be able to get this from the Department of Public Safety and show it to he insurance company so they can file a SR26.
SR22 Insurance For My Motorcycle With Suspended License?
Reader’s Question:
Can I still get a license for my motorcycle, if my drivers license has been suspended in Sanford, Maine? Also do I have to obtain SR22 insurance after my license has been reinstated?
Richard
Sanford, ME
States vary on their laws regarding if an individual with a suspended driver’s license can get a motorcycle license. Some states will permit you to have a motorcycle license while some will not permit it while your main driving privileges has been suspended. States, such as Maine, have the motorcycle license as an addendum to your regular motor vehicle license so it is unlikely that you would be able to obtain it without a valid driver’s license.
As for the SR-22 in some states require a SR-22 when a license is reinstated while others will not. You will need to check with your Department of Motor Vehicles in Maine to check if this document as proof of financial responsibility will be required to acquire a valid driver’s license once again. The DMV should also be able to assist you find out if you can obtain a motorcycle license while your driver’s license is suspended.
Is It Mandatory Suspension For Driving Without Insurance?
Reader’s Question:
I would like to know if there is a mandatory suspension for driving without insurance or is it up to the court system and county’s judge? I live in New Jersey.
Martin
Camden, NJ
Driving uninsured is a serious violation in most areas. The penalty for this violation differs from state to state but can include large fines, impounding of your car (and payment of towing and storage charges incurred), license suspension or revocation, community service or jail time. In most states, such as New Jersey, the mandatory penalties for an individual found driving without insurance are even greater than those for an individual receiving a DUI citation for the first time.
This is regulated by each state.
Also, it is likely you will have to comply with the state’s financial responsibility laws by obtaining an SR22 or SR16.
Tags: auto insurance, driving without insurance, sr22 insurance
Can I Operate Any Car With My SR22 Insurance Coverage?
Reader’s Question:
Can I operate any car with SR22 insurance with permission?
James
Baltimore, MD
Under most state and with most insurance company guidelines, yes, you can drive any car with permission as long as no exclusion applies even with an SR22.
But, if you have a non-owners SR22 then coverage is limited to your personal operation of a car not owned by you or any family member in the household.
You can shop around online for a quote on SR22 financial responsibility certificate.
For you to be able to obtain the general price for an SR22 financial responsibility certificate you need to get a quote. An SR22 generally costs an additional $15-$30 filing fee above and beyond your auto insurance premium rate.
Financial Responsibility and SR22 Auto Insurance
Reader’s Question:
What other financial responsibility that may be used other than sr22 insurance?
Roger
Thank you for asking Roger.
Most states permit at least one of these following to be used as financial responsibility:
1. A surety bond issued from surety company.
2. Your car insurance policy.
3. A State Motor Vehicle Department bond secured by real estate equity of a set amount
4. A State Motor Vehicle Department certificate for money or government bonds for a set amount on deposit with the State Treasurer
5. A certificate of proof of financial responsibility signed by an insurance agent on a form prescribed by your state’s Motor Vehicle Department.
Goodluck!
MariCAR
Can I Get an SR22 Certificate Without Getting Liability Insurance?
Reader’s Question:
Can I have an sr22 without getting liability or insurance for my vehicle?
Kim
Thank you for asking Kim.
Most states usually require vehicle owners to purchase a minimum amount of bodily injury and property damage liability insurance before they can drive legally their vehicles. All states have laws on financial responsibility. This means that individuals involved in a car accident will be mandated to provide proof of financial responsibility up to certain minimum amount limits. To comply with financial responsibility laws, most drivers buy car liability insurance.
You may be able to purchase a non-owners liability SR22 policy if you do not own a motor vehicle.
Goodluck!
MariCAR
How Much Does SR22 Insurance Cost?
Reader’s Question:
How much does sr-22 insurance cost?
Miguel
Thank you for asking Miguel.
The car insurance coverage bought that is associated with the SR-22 form will be rated depending on all factors that go into rating a policy, regardless of the SR-22 form filing. The insurance rates are not different if you are getting an SR-22 or not.
As for the actual SR-22 form, typically insurance providers are allowed to charge a nominal fee for filing the financial responsibility form (certificate) or sr22 to the state. State laws differ but typically the SR-22 form filing fee is only $15 to $25.
Your driving history is one of the rating factor in the cost of car insurance so the reason that you are mandated to obtain and carry the SR-22, such as reinstating your driving privilege after a DUI suspension, may affect your auto insurance premiums but the SR-22 form itself does not beyond the filing fee.
Goodluck!
MariCAR
What Is SR22 Insurance?
Reader’s Question:
I just want to know what is an sr22? Why does it have to be carried?
Joe
Thank you for asking Joe.
SR-22 or financial responsibility certificate is proof that you have certain types of insurance, based upon the financial responsibility laws of your state and what they are mandating you to carry.
The reasons that an SR22 can be required differently from state to state. Generally, an Sr-22 is required when insurance policy is provided to a person who was involved accident or was convicted of a moving violation and was unable to show financial responsibility. Each state has different variations of this form and the insurance requirements.
The following SR-22s are associated with the following offenses in many states
* DUI or DWI or any serious moving violation
* At-fault accidents while driving without insurance
* Repeat traffic offenses or getting too many tickets in a short time period
* License suspension or revoked license
An SR-22 or financial responsibility certificate can and is mandated in many states as part of the reinstatement process after you have had your driver’s license suspended, revoked, canceled or lapsed. This can include suspension for being a habitual offender of moving violations or because of being behind in child support payments; it all depends on your specific state’s laws.
Goodluck!
MariCAR
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