My friend got a ‘dui’ in Florida at least 2 years ago. How long is he required to carry sr22 insurance?

An SR22 is a form which must be filed by the insurance company stating that auto liability insurance ( Bodily Injury Liability and Property Damage Liability) is in effect for a particular individual. The Bodily Injury Liability limits must be at least $10,000/$20,000, and the P…

My husband and I will not own a car for about a month. Should we purchase a car insurance plan for a non-owner? If we have a period without car insurance, would we become “high risk” and possibly have higher rates? Also, how often does a credit score affect the rate you get on car insurance?

If you do not have insurance because you do not own a vehicle it does not make you a ‘high risk.’ Items that constitute ‘high risk’ are items like being an inexperienced driver (youth), a bad driving record, and a bad credit score (to some companies). Though you may not be consi…

Can you have an exclusion and a sr22 on the same policy?

Theoretically, I suppose you can have an exclusion and a SR-222 on the same policy. However, you might have a hard time finding an insurance company to accommodate those needs. Many insurance companies will not write a policy that requires a SR-22. From those insurance companies…

If my dad lives in South Carolina and I live in New Jersey, can he put a car in his name, on his insurance, and list me as a driver on his policy (if I don’t live with him anymore)?

Your father can put a vehicle in his name. As a result, he can add that vehicle to his policy. As a resident of another household (and another state), you do not have to be listed on the policy as a driver. Non-household members should only be listed on someone else’s policy as …

I recently had my license suspended for not turning my plates in after my car insurance policy terminated. I want to purchase a new car and have it insured. Will I be able to do this with a suspended license?

There are auto insurance companies that will allow you to purchase a policy with a suspended driver’s license. They will however require you to reinstate your license within thirty (30) to forty-five (45) days from your policy’s inception date. If you fail to reinstate it and …

Can I fill out a SR22 online?

No, you are not able to fill out a SR-22 online however you can purchase SR-22 Insurance from CarInsurance.com online. When you apply for and obtain your insurance associated with the SR-22 online so that your insurer can fill out and file your SR22 for you. When you get a qu…

What is the very bare minimum auto insurance required to register a car in FL?

If your motor vehicle is registered in Florida , you must carry a minimum of: $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). The Department of Highway Safety and Motor Vehicles (HSMV) does not even require you to carry Bodi…

I live in Colorado and am curious as to when and when not to use combined single limit coverage? Thanks!

In the state of Colorado you need auto insurance Liability coverages of at least $25,000 per person, $50,000 per accident Bodily Injury and $15,000 in Property Damage. Bodily Injury Liability and Property Damage Liability coverages can be purchased as split limit coverage or a…

I have a piggyback loan with my lender, when I traded in my vehicle for my new one, I got gap insurance. Will Gap pay off the whole loan contract since there is two vehicles on one loan now. Does gap cover a piggy back loan?

A piggyback loan is typically a combination of two loans that close at the same time and normally in reference to purchasing a home. The most common piggyback loan is an 80/10/10. This is where 80 percent of the home’s value is financed through a first mortgage and then the rema…

I have a piggyback loan with my lender, when I traded in my vehicle for my new one, I got gap insurance. Will Gap pay off the whole loan contract since there is two vehicles on one loan now. Does gap cover a piggy back loan?

A piggyback loan is typically a combination of two loans that close at the same time and normally in reference to purchasing a home. The most common piggyback loan is an 80/10/10. This is where 80 percent of the home’s value is financed through a first mortgage and then the rema…