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Auto Insurance Question Bloomington, Illinois IL

Reader’s Question:

If your kids get married can they still remain on your auto insurance? I live in Bloomington, Illinois.

Clark

Bloomington, IL

Once your kids get married, and if they moved out of your household and into one with their spouse, typically they cannot stay on the parent’s car insurance policy. Normally, your insurance policy in Bloomington, Illinois covers those in your household and typically a child that is away at college depending upon how far away the university is from your residence.

Generally when your children get married and move out of your house on their own with their spouses they will need to get an auto insurance policy to cover their cars together in both their name and their spouse’s name and be taken off of the parents’ insurance policies. If the vehicles the children have are in the parent’s name then you may need to add the child’s name to the vehicle title so they can insure and register the vehicle in their own name now that they are married.

 

Tags: car insurance

Young Driver Car Insurance Saginaw Michigan MI

Reader’s Question:

My teenage son is a 17 year old full time college student and living on campus, 30 miles away. He does not have a vehicle. Currently he is on our car insurance policy. In Saginaw, Michigan, can we take him off our insurance policy? If he drives our vehicle on occasion will he be covered by our policy?

Frances

Saginaw, MI

Most insurance providers in Michigan will require you list all household members as drivers – including any children at college or away from home that may operate your car. Coverage is usually extended to any other individual using your insured vehicle with your express or implied permission to do so. But, it usually does not include any relative not listed on the insurance policy or application. You should contact your insurance carrier to determine what your specific guidelines are regarding this concern, since each insurance carrier has different insurance guidelines and rules. Some insurers do look at mileage driven some don’t. It may be possible to add your teenage son as an occasional driver. You also may be able to exclude him off the insurance policy for the time he is in school with proof of his other address. The insurer may go on the assumption that he has access to your car and may require you keep him listed as a regular driver. So you may check with your insurance carrier in Saginaw Michigan to find a resolution to your insurance needs.

 

Tags: auto insurance, insurance advice, teen insurance, Young driver car insurance

SR22 Car Insurance Chicago IL

Reader’s Question:

Can I get an SR22 car insurance without purchasing insurance for my vehicle in Chicago? Is that possible in Illinois?

Mark

Chicago, IL

Most states including Illinois require car owners to purchase a minimum amount of bodily injury and property damage liability insurance coverage before they can legally operate their vehicles. The state of Illinois have financial responsibility law. This means that those involved in a car accident will be required to provide proof of financial responsibility up to certain minimum amount limits. To comply with financial responsibility laws, most motorists buy car liability insurance in Chicago.

You can also purchase a non-owners liability SR22 policy if you do not have a motor vehicle. You may be able to make an SR22 filing in conjunction with your new or current car insurance policy.

 

Tags: car, car insurance, sr22 insurance

Non Owners SR22 Auto Insurance

Reader’s Question:

Does non-owners SR22 insurance cover policy holders in uninsured cars?

Richard

Little Rock, AR

 

I would suggest that you verify that any car you drive is insured and not rely upon SR-22 insurance to provide the necessary vehicle coverage. The car owner is required to insure it. Your non-owners SR22 policy would be secondary to that car insurance policy. Typically a non-owners SR-22 policy doesn’t contained coverage for the car (Physical Damage) or other necessary coverages like PIP, UM, and/or PD.

If you borrow a car from a someone and get into an accident while using that car, your friend’s insurance would kick in first. But if, for instance, the accident was your fault and the damage to the other motorist’s property exceeded the liability limits on your friend’s policy, your non owners insurance policy would cover the excess (up to policy limits).

Car Insurance SR22 Certificate

Reader’s Question:

Is there a specific amount that is charge being charge to someone for having an SR-22 or does it vary by insurance carrier?

Mike

Austin, TX

 

Typically insurance providers are allowed to charge a nominal fee for filing the financial responsibility form (certificate) to the state. State laws differ in this law but the SR-22 certificate filing fee is typically only $15 to $25.

So it would depend upon your laws in your state and if they have set a specific amount that insurance companies can charge for filing the SR22 certificate or if they say that an insurance company can charge a fee up to a certain amount. So say that a state law lets an insurance company charge up to $25 for the SR-22 certificate filing fee. Then one insurance company may charge $15 while another insurance company charges the $25 top limit amount.

Non Owners Auto Insurance

Reader’s Question:

What is the meaning of the non-owners insurance policy and what are the qualifications for using/getting it?

May

Huntsville, AL

Non-owners insurance policy is typically an additional coverage to provide you liability protection for when you are at fault and don’t own a car.

The qualifications for getting non owners would be to first have the policy and then it would be limited to the coverage definitions and exclusions in that insurance policy. Typically, those are standard to the coverage you have. For instance, to obtain a non-owners policy you would only buy property damage and bodily injury coverage.

I suggest that you verify that any car you drive is insured. The owner of that car is required to insure it. A non-owners policy would be secondary to that auto insurance.

New Hampshire SR22 Certificate

Reader’s Question:

I want to know the exact coverage of sr22 in NH and do I need to have an SR-22 Certificate?

Mike

Thank you for asking Mike.

The New Hampshire Department of Safety states that an SR-22 is a certificate of “proof of liability insurance” which must be submitted by an insurance carrier licensed to do business in New Hampshire.

The NH Division of Motor Vehicles states that the SR-22 is required for

* 3 years from the date of conviction/crash or from the date imposed by a hearings examiner.
* If convicted of a Driving While Intoxicated Second Offense, 5 years from the date of conviction.
* If convicted of a major offense in the time frame required to carry an SR-22 insurance certificate, the requirement will be extended for 3 years from the date of the major conviction.

The New Hampshire SR-22 is a certificate of proof of liability insurance and the minimum limits available for liability coverage are 25/50/25. You must have at least these minimum coverages in order to file the SR22. These limits stand for $25,000 of Bodily Injury Liability coverage per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a limit of $25,000.

Goodluck!

MariCAR

sr22 auto insurance Idaho

Reader’s Question:

I just want to know the minimum liability insurance in Idaho because I was required to get an sr22 and I need this info. Thank you.

Florence

Thank you for asking Florence.

The Idaho Department of Insurance, Idaho Code 49-117 (18) is the law containing auto insurance requirements for Idaho.

The Idaho’s minimum required car insurance limits are 25/50/15. This stands for Bodily Injury Liability coverage of $25,000 per injured person up to a total of $50,000 per accident. The Property Damage Liability coverage is with a minimum limit of $15,000.

You should be able to give this information to the insurance provider in the state outside of Idaho to get your SR-22 that you are required to carry.

Goodluck!

MariCAR

VT sr22 certificate

Reader’s Question:

I just want to know how long do I have to carry an sr22. Someone told me that its for 3 years? is this correct? If I don’t drive for 3 years, will I still be needing this sr22? I live in VT.

Renee

Thank you for asking Renee.

According to the Vermont State statues an individuals who are required to file Financial Responsibility Insurance with the VT Department of Motor Vehicles must carry this car insurance for a minimum of 3 years. If there is a lapse or cancelled this type of car insurance coverage the person is issued a license suspension which would not be reinstated until valid coverage is active on file again.

Vermont’s Department of Motor Vehicles has very specific requirements on the filing of Financial Responsibility Insurance. This will accept only certain documents (i.e. an SR-22 certificate from an insurance provider and NOT from an insurance agent) that are completed in compliance with these strict requirements.

According to the wording of the Vermont Statues on this you would need the SR-22 certificate for 3 years once your drivers license has been reinstated (not from when you became eligible). You may contact the Vermont Department of Motor Vehicles to verify this information.

Goodluck!

MariCAR

TX SR22 certificate

Reader’s Question:

What do I do to reinstate my drivers license due to driving without insurance in TX after an SR22 certificate?

Richard

Thank you for asking Richard.

You may have your license suspended for a second or subsequent ticket for no liability insurance in the state of Texas. If a an individual is convicted of a second offense for having no insurance, the individual is subject to suspension of license. This is according to the Texas Transportation Code 601.231, and 37 Texas Administrative Code 25.19.

If you want to reinstate your license after a suspension or revocation due to not having liability insurance there is a reinstatement fee due prior to the renewal/issuance of a driver’s license. In addition to that you must also acquire a proof of insurance (form SR-22) from an insurance provider license to do business in TX and submit it to the Texas Department of Public Safety (DPS). The SR-22 in TX is required for two years from date of the infraction or conviction.

To get more information on what fees you will need to pay for you to be able to get your license out of its suspension or revocation and have it reinstated you may contact the Texas DPS.

Goodluck!

MariCAR

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